I'm still trying to figure out what to do with my investments. I have a few pensions (military and State of Texas), as well as a few Simple IRAs from previous jobs. I went back to work for the state mostly to pad my state time, but my concern is I'm a bit behind, since I worked for myself for 10 years and didn't have the cash to save much back then. I'm looking for the best way to save more. Would have to be post-tax dollars that I can set aside alongside my pension money. I'm 49, so I'm really in make-up mode. What is the best option?