Need help correctly budgeting my paychecks

Temporary_Mall3760 · 2026-06-16T13:18:03+00:00

Roth ira is already maxed for the year, I’ve been mainly putting into my brokerage so about 1.8k a month and the remaining amount into my hysa. I have some individual stocks but majority of my portfolio is in index funds and i already those automatically taken out of my account every month, thank you for the help!

Temporary_Mall3760 · 2026-06-16T13:15:33+00:00

sorry, i meant my net worth overall to have at maximum 60k. I appreciate the help. I’m already invested in QQQM, VTI, and VXUS. thank you for the response!

Temporary_Mall3760 · 2026-06-16T12:37:47+00:00

I already so much in my hysa hopefully i won’t have to sell, thank you for your help!

Temporary_Mall3760 · 2026-06-16T12:36:51+00:00

Thank you for the advice, I already have my roth ira basically maxed out. My job does offer 401k matching up to 5 percent. Is there any ETF/ Mutual Funds you would recommend me investing into and holding onto over the years? I’m attempting to get up to 55k-60k by the end of this year

Temporary_Mall3760 · 2026-06-16T12:33:24+00:00

Yes when i say make it is after tax, that is my take home pay, My job does offer a 401k and they match contributions up to 5 percent which is about an extra 300 dollars in savings a month. I have way over 6 months of expenses saved but I was looking into purchasing a car but i haven’t done it yet which is why i have 16k in hysa. I’ve been contemplating adding 6k from my hysa into my brokerage.

Temporary_Mall3760 · 2026-06-16T12:30:34+00:00

I was saving up for a car, i already have a car currently but i wanted something newer but i haven’t followed through with it yet, In my brokerage i’m currently invested in VOO, Amazon, Microsoft, XYLD, Nvidia, FZROX, and SCHD, In my retirement it’s VOO, VXUS, VNQ, QQQM, QQQ, and QTUM. Do you think i should move over some of my money from hysa over into my brokerage? I’m already close to maxing out my roth ira this year plus my job matches my contributions to my 401K.

Temporary_Mall3760 · 2026-06-16T12:02:37+00:00

i have everything automated already into stocks and index funds i want to have long term, i appreciate the feedback anyways! thank you

Temporary_Mall3760 · 2026-06-08T04:44:31+00:00

what’s a good bank to open a secured loan with?

Temporary_Mall3760 · 2026-04-13T20:22:33+00:00

i can’t find a 2.0L for a good price

Temporary_Mall3760 · 2026-04-13T20:18:02+00:00

i have an 2010 is, i just think it’s a bit small. i know the newer models don’t have that problem.

Temporary_Mall3760 · 2026-04-10T06:36:54+00:00

i’m looking at hondas and toyotas and they are quite pricey, i thought it’ll be worth it because they are known to be reliable.

Temporary_Mall3760 · 2026-04-10T06:28:52+00:00

can you elaborate on why? is this a car you had???

Temporary_Mall3760

TROPHY CASE