My name is felicia mcmillian, and i was referred to you by a friend. i have a question about what i should do with my money. i've been working as a pharmaceutical sales representative for just two years now, but i've already started investing a little bit of my income. right now, i have a checking account, a money market account, and i've started buying small bonds. i am beginning to earn a little more income, and i'm starting to think about future goals, like buying a house, my kids pay for college, retirement. . all things that are more than 10 years down the road. what would you advise me to do at this point?