Congratulations on buying a house -- with prices way down and interest rates low and tax handouts on top of that, I've been thinking about buying one too. There are some great guides on the site about budgeting and retirement -- http://www.filife.com/topics/budgeting/guides and http://www.filife.com/topics/retirement/guides . It might be a good time to invest IRA money in stocks, since the markets are still way down from last year. Good luck!