I am looking forward to this upcoming post about why you decided to avoid target date funds. Specifically I am curious how you calculate that target date funds have nearly twice the expense ratio compared to guideline. VFIFX (https://www.google.com/finance?ei=CWOOUpC2CO-bsgfSRw&q=VFIFX) has an expense ratio of 0.16% while guidelines is 0.13%. Cheaper, yes, but not twice as cheap.