Ok, here is the deal.

I know that many people wish they had this problem, but I'm going to bring it up here anyway.

Since getting married, my wife and I have eliminated all of our debt. We have even paid off all of our vehicles and currently owe nothing to nobody. It has been that way for about 2 years now.

The only debt we have is for the 700m deal which will be paid off as soon as I get the bill. :)

We are both currently working. Since she is in the military, we have two separate checking accounts. One if for her military deposits, and it never changes. The other is always a local account wherever we are stationed.

I was lucky to get a very good job here in Germany, and we are basically living off my pay. That means that for the last 2 years, all of her pay has basically gone to checking/savings and has been used very little. She receives several bonuses because of her job. Basically, her checking account has grown to a very large amount. I wasn't really aware of the extent until she was recently away and I had to take care of her CC bills.

So, this is what it breaks down to...

We want to get this money invested. We already max our IRAs, and we both max out our TSP (military 401k) as well.

We are considering purchasing a house at our next duty station and would like some of the funds to be liquid so that we have that ability if we need to.

Does anyone here have any advice, or do we need to consider paying a finacial advisor? If so, what is a good choice?

Thanks in advance.

Sorry about the long post.

Perhaps you can give us a ballpark estimate on how much is in that checking account? :)

Are you looking for quick or substantial gain, or are you looking for safer investments with guaranteed returns?

Perhaps you can give us a ballpark estimate on how much is in that checking account? :)

Are you looking for quick or substantial gain, or are you looking for safer investments with guaranteed returns?

Lets just say that it would be approaching moving past 5 figures...

Possibly some quicker returns at first since we may liquidate a portion of it to purchase a home.

After we purchase a home, I'm sure we would want to move to longer term investments.

I highly recommend investing in RossMAN Investments of Cayman Islands Ltd ;)

What kind of time frame are you investing this for?

Something short term or long term? Tell me in number of years.

You may want to put a small portion into high risk investments and the rest into long term investments.

What kind of time frame are you investing this for?

Something short term or long term? Tell me in number of years.

You may want to put a small portion into high risk investments and the rest into long term investments.

that is exactly what I'm not sure of. As it stands right now, It looks like we will move back to the states in about a year.

We are still young (early 30s), so we have some time.

I would definitely consult a qualified financial advisor when you return to the states.

Depending on the branch of your service your spouse is with I would recommend you check with Army Community Services or the Air Force Family Support Center to find out when the next available investing class/seminar is. These are excellent seminars to learn the basics of investing, etc. Normally the Army/Air Force will conduct advance financial investing classes/seminars as well. Whatever you do, stay away from the companies outside the gates as they take 50% of your investment amount the first year! Investing with these folks puts you behind from the very beginning!

PapaSmurf