lets work backwards- first off, i used a lot of the money i got, about 80% to put into an IRA, so I'm way ahead of you on that one :-) Roth IRA's, a kids best friend. as per a transport, im using a denon dvd-2900 which is great for now, but im looking to eventually go with a better transport. im also using a bel canto 1.1 for my dac. soon that will have to go in for the 24/192 upgrade