22% Home Equity
68% Retirement
5% 529s (3 kids)
5% Emergency Fund and Brokerage

early 40s. 1 SAHP for now. Current HHI $150K. NW (including home equity) $1.6M. No debt aside from mortgage.

We made a decision to save mostly in a brokerage account instead of a 401(k)s. It allowed us to not sell company stock, which was risky but turned out ok.
House: 25%
Brokerage: 61%
Retirement accounts: 8%
529's: 3%
Investment in a start-up: 2%

Anonymous wrote:

Anonymous wrote:We are heavy in retirement accounts because we’ve put $200k/year for the last 10 years.

How do you put $200k/year in your retirement accounts? Seems like the contribution limits would preclude this.

We are self employed/own company. One has a 401k + profit share, the other a DB plan. Plus HSA and IRA. And over 50 bump up on 401k and HSA. We do need to be mindful of RMDs.

Anonymous wrote:

Anonymous wrote:We are heavy in retirement accounts because we’ve put $200k/year for the last 10 years.

How do you put $200k/year in your retirement accounts? Seems like the contribution limits would preclude this.

I'm also interested in how they did it. I'm contributing (for one income) $88k/year (73k 401k pretax/aftertax + 7500 Roth backdoor + 7750 HSA) and I thought this was already pretty close to the max.

Anonymous wrote:We are heavy in retirement accounts because we’ve put $200k/year for the last 10 years.

How do you put $200k/year in your retirement accounts? Seems like the contribution limits would preclude this.

Why are people reporting percentages rather than dollars? You can't tell anything from percentages.

45% retirement accounts
30% home equity (2 homes)
20% brokerage
5% cash

We are heavy in retirement accounts because we’ve put $200k/year for the last 10 years.

Retirement accounts 43%
Cash 2%
HSA 2%
Primary home equity 16%
Second home 20%
Brokerage accounts 16%

No debt

59/58 couple with no kids

Probably too much in real estate, but our plan is to move into the second home and sell the first eventually (after renting for awhile), so that will become retirement cash.

Retirement accounts 44%
Cash/HYSA 17% (a lot will be used for renovations)
Home equity 19%
Brokerage accounts 20%

30/32 couple without kids. Not including the full value of the house NW, just our equity.

Assets: $600k
50% IRA
48% home equity
2% credit union accounts

Liabilities: $300k
100% mortgage

Brokerage After-Tax 28.45%
Retirement 36.60%
Homes 28.96%
529 Plan (1 kid) 2.81%
Cash 2.62%
Mortgages -14.13%

Married couple, 40-45, ~$5m NW, ~$400k HHI

What a Business Interest?
Equity in your firm / restaurant / store?

Rough numbers

Emergency fund is about $100k
Not counting it, NW breakdown is roughly
25% house
75% retirement vehicles (mostly 401k and regular IRAs and some in ROTHs)

We are one year from retirement.

Would be helpful to know age and the actual NW.

I was wondering how other folks' NW breaks down into components. Here's mine to start.

39% Brokerage After-Tax
23.5% Retirement
23% Business Interests
14.5% Homes
6.4% 529 Plans (7 kids, 2 mine, 5 not mine)
1% Cash (over $100K)

-7.4% Mortgages @2.25%

Open to suggestions, criticisms, other thoughts. Thanks!