Thanks again. I'll read through the blog you recommended. I've read The Bogleheads' Guide to Investing and I'm currently reading a few of the books recommended within. I only wish I'd spent more time observing the economy closer and reading more books (and morningstar threads) before I started investing. Sure, I wouldn't have all the answers but I'd probably have a better hold on my AA and how it meets my goals.

Are you suggesting I adjust my AA in my Vanguard account to bring it closer to 30% equity? How?

Did you have any thoughts on my Fidelity Freedom Fund 2040/2045 v. less costly Freedom Indexes or transferring in-kind to Vanguard?