I’m so glad you called! And it actually raises a question that you should try to have an expert answer for you/the rest of us. As you point out, you missed the chance to put that money to work over the past several years. (Of course it’s all a matter of perspective — maybe if you had known about it before you might have been tempted to take an early withdrawal, and that would have cost you in taxes on top of any potential returns.) So now that you have this suprise money, do you put it to work along with the rest of your retirement investments, or take a more aggressive approach with it since you weren’t banking on it anyway? I’d be interested to hear what experts think. It’s your very own What Would You Do question, right there.