So I don't really care about money. In fact I dislike the stuff. But it comes in handy occasionally, and 2014 was good to us. We need to set up a SEP IRA for Bonnie due to the success of her relatively new income and business, and we have two choices: go to our credit union's affiliated investment company and take whatever they feed us, or learn a few things and come up with a much better account. If someone can point me to a circles-and-arrows DIY retirement accounts 101 or offer any advise, I'd appreciate it. Otherwise I'll head back over to the award booking threads - they're a lot more fun!