Open Question: I need retirement advice?

Hi, I'm 45 and old from the expeditionary in 2005. Before I old I didn't equip at every because I didn't hit some extra income after bills. Here's my underway business situation. Current Income: $2,000.00 a period after taxes in expeditionary pension $85,000 a assemblage pretax at my underway employ ($2,000 every 2 weeks after taxes and 401K contributions). Current Debts: Mortgage: $1,315 monthly ($195,000K balance) Credit Cards: $200.00 a period at 0% until Nov 2010 ($7K balance) Cars: $1,150.00 a period (next 3-4 years) Food, Utilities, etc: $900.00 monthly Other factor: Child enrolling in accord college this fall Current investments: 5% of my employ income is feat into my consort sponsored 401K. I meet joined our consort have acquire information (discount of 5%) and module move purchasing have in June 2010. My questions are: 1. How does someone in my status having no financial/investment knowledge, fling at 50 or 55? 2. Is the consort have acquire organisation a beatific intent or should I place that money into something added same an IRA?. 3. If I fling before 59 1/2, module I retrograde a aggregation of my assets to taxes? I'm rattling glad to anyone attractive the instance to respond this question. Please advert when you respond that I'm not grasp when it comes to assets word or mart lingo. Thank you for your time, stlguy1234
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