EP 116 – Stop fund mixing with Target Date Funds in your 401k; Why umbrella policies?; How to save for a car

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I just moved my 401k into a target date.  I went with 80% Target date and 20% into Vangaurd 500.  Does that sound like good mix?  Thoughts?

I met with a financial planner today and was recommended an umbrella policy. Thoughts?

I have paid off debt (BS2), almost saved 6 months EF. Home warranty or no?

What happens if you can’t save the first 1000 in Bbs1, because of too many bills.

Now that I’m self employed. I have a SEP. Is there any reason to continue contributing to my ROTH IRA?

Not planning on buying a car right now but will be in a few years. So here is my question. If you are through the baby steps and have a fully funded emergency fund. Then but a car 2-3 years old and  you have some saved for Down payment but not enough to pay cash, do you use your emergency fund to pay it all off leaving just 1000 then start saving your fund again? 

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