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Reply to "Is it ok not to have a financial plan?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We don’t have a budget or track expenses either, but you need more in retirement than an employer 401k and a paid off house.[/quote] Op here. We’ve maxed out the 401k. What other retirement investment should we look into? Once we pay off the house next year, we will have some room to put toward retirement. But would appreciate advice on where/how.[/quote] NP here and the next best bet would be a Roth/backdoor Roth. Do some reading on the tax implications of doing this if you already have a traditional IRA or see if you can roll over your trad IRA to your current employer 401K before doing this. If none of those are options you could still put the money in a traditional and possibly non-deductible IRA.[/quote]
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