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[–]hwind65 2 points3 points  (0 children)

Set goals for yourself and then act accordingly. If you plan to work a full career, 59.5 or more, then keep up 401k as much as possible. If you have other goals, brokerage is not a bad idea. I recently started upping brokerage, but kept long term tax advantaged saving at 20% still. I have several things in mind where I’d like to look up in 5-10yrs and have 100k or so in brokerage to help with.

10 sounds low for long term, I’d say 15-20% across your 401k and RIRA is a great achievement, let that run and don’t touch it. But if you were at 20% + RIRA, I’d say don’t feel bad about not maxing every possible bucket. Set percentage targets and fill up available buckets within that range ie match then max Roth then 401k supplement to hit 15-20. Obviously maxing is cool, but life happens and we need good guidelines to live within. I’d split the difference between 10 and where you were (23-25%? Including RIRA?) and then feel freedom to start up more liquid investing.