No, the job isn't guaranteed but I plan as well as I can.  There was just a RIF (reduction in force) and a few people were let go.  I'm as secure as anything can be, I guess, as I am one of only 3 people who support all telephone and voicemail systems worldwide.

I have just about paid off all credit except the mortgage, including my vehicle, and I plan to stay out of debt.  I'm working on lowering monthly expenses, just got internet voice so I can cancel the house phone @ $50 per month.  Cancelling little subscriptions here and there and when my daughter, her husband and 2 kids move out (he just got back from Kuwait) the household expenses like utilities will go down.  I haven't asked them to pay for anything as they were saving for a house but they buy all the groceries.

I agree that the Fidelity planner doesn't handle international well.  I have 32% in international according to M* and Fidelity says I only have like 4% and the rest is unclassified.

According to M*

Cash.............3.78%

US Stocks.....64.04

Foreign..........31.77

Bonds.............0.19

Other...............0.23

Style box

11.........14........21

5...........11.......13

7............9..........9

Large Value..........17.95%

Large Growth.........28.17%

Mid/Small Value.....22.14%

Mid/Small Growth....31.74%

- - - - - - - - - - - - - - - - - - - - -  

US Canada.............71.79%

Europe...................10.19%

Japan.....................1.36%

Latin America..........4.70%

Asia & Australia......8.85%

Other......................3.11%

- - - - - - - - - - - - - - - - - - - - - 

Expense Ratio is .88%