Magik,
Nice post. I like your point about investing the money. I'm already planning to up my contribution to my 401K to match the amount of extra money from the tax cut.
Just to add to what you said, it's always a good idea to get information about how/where to invest money from as many as sources as possible (at least 3). Just like Magik found that by looking around more, there was different views and by incorporating them all, got a better view of the overall pic, the same applies to deciding how/where to invest.
For example, I was following what the 401K advisor was telling me to invest in and was making -3.24% each month (if it wasn't for the employer match, I'd have been losing money). By doing some investigating on my own and redistributing where I was invested, I'm not making +6.45% per month.
ps -- that second paragraph wasn't aimed at you, Magik, was a general service annoucement for the public.
