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[quote=Anonymous][quote=Anonymous]I am 32, make $170K a year, have $150K in a 401K (which I know is low: I had a pretty significant jump in income over the past four years in which my salary about doubled). Husband and I own a home worth $700K with $500K to go on the loan (under 3% interest rate). I had about $15K in a car loan that is now down to $6K.

We don’t have kids but right now, I’m able to save 30-40% of my take home pay and want to start more aggressively investing after I replenish my emergency fund / ‘home repair’ fund (we bought the home less than a year ago) and pay off the car. I wasn’t able to invest much in my 20s aside from retirement but I do have a few thousand in a brokerage and have essentially stuck to the ‘Bogleheads’ distribution. Is it too late to start now? I’m currently only putting in around $500-1K a month. [/quote]

You are married. Think in terms of 'we', not 'I'. How much does your husband make? What's your combined net worth (outside primary residence)?

Even assuming you were single, you are doing great. Just keep doing what you are doing. [/quote]

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