conversation: User (BlackDhalsim): "I don't really have a good idea what I'm doing, honestly. I'm 31 years old, making about $120K annually. Currently maxing out my Roth 401(k) every year since ~2008.\n\nHere are my current allocations: http://i.imgur.com/IR4eBqk.png\n\nThis is about a 91/9 ratio of overall stock/bond split. I may have too much Domestic Small Cap &amp; Value funds (~37%), but not sure.\n\nThoughts, /r/PF?\n\n**EDIT:** Hey, sorry for the late update here! I just got off a long day at work. Here's my available options: http://i.imgur.com/9mI2Tnm.jpg\n\nI went with the 91/9 stock/bond split based on what my friend did. My friend is a whole lot smarter than me, so I just blindly followed him. I just decided to be more proactive with my savings after learning how one of my friends' parents had lost their entire retirement due to the Madoff scandal several years ago."
  Self: "Hey I'm also 31. You seem to have done well for yourself. I on the other hand... not so much. I would like to know, what is your profession? "
  hive_worker (hive_worker): "Id like to know too. It seems nine times out of ten the young people on this sub who clear 6 figures are doing software."
  User (BlackDhalsim): "I do work in software, and some high school tutoring on the side."
  