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Max out TSP and 401k
IRA No longer funding 529, but used to. Now one kid is out if college and one is heading to college Brokerage account Investment real estate |
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Up to the match only and then all in brokerage t control your own money with few rules.
Most of the retirement accounts are not for you to make money. They are for the company running them. While you save, the company invests your money and keeps most of the growth. Put the amount over the match into calculator and see how much you would have made on your own in s and p. If theirs is more, continue. Don't forget the fees. By the way, you can make your on fund for free almost. |
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Brokerage
TBills HYSA for accessible savings |
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HSA (we contribute the max and don't use it, saving it to use in retirement)
Backdoor Roth IRA Regular taxable brokerage account Our 529s are funded, otherwise they'd be on the list too. First kid is almost in college. |
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brokerage
529 private equity investments vetted and recommended by my advisor (over the years, mix of real estate, startups, cannabis) |
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