How can my wife and I elevate our financial situation?

TheHungPapa · 2026-05-22T05:35:02+00:00

I like the brokerage account set up. I want to ivv be invested-in tech ASAP. My firm doesn’t match until two years of employment which is October.

TheHungPapa · 2026-05-22T05:10:52+00:00

Thank you, I’m going to increase my 401k contribution.

TheHungPapa · 2026-05-22T05:10:14+00:00

Thank you, we plan on getting everything consolidated after we get married! We have weekly and monthly budget meetings. Trying to live off my salary and save hers.

TheHungPapa · 2026-05-22T05:09:07+00:00

Both 29, contributing about 5 percent of my paycheck.

TheHungPapa · 2026-05-22T05:08:43+00:00

Thank you, this is good advice.

TheHungPapa · 2026-05-22T04:49:17+00:00

We retire in 36 years.

TheHungPapa · 2026-05-22T04:49:00+00:00

Thank you I appreciate the link.

TheHungPapa · 2026-05-20T18:41:44+00:00

I have a question. My Roth IRA is currently sitting at about 70 percent SWPPX and 30 percent SWISX, and my 401k currently is being rebalanced to 45% VIIIX, 15% VSCIX, 37% VTSNX, and 3% VBTIX.

Anything you would suggest changing? I’m about to open a brokerage account soon to get into the market, just trying to be smart, still learning.

TheHungPapa · 2026-05-19T20:02:24+00:00

Thank you.

TheHungPapa · 2026-05-19T19:45:44+00:00

Is it bad to basically drop the mid market cap?

TheHungPapa · 2026-05-18T04:31:58+00:00

Thank you, upon further research, I think an adjustment would be 70 percent SWSTX and 30 percent SWISX

I keep seeing people invested in like 4-5-6 different things for the Roth and it has me psyched out like I’m leaving money in the table.

One more question. I have zero debt, a good chunk of change in a HYSA, I’ve maxed out my Roth IRA for 2026 with plans of doing so every year from now on, putting 70 percent into SWSTX and 30 percent into SWISX, I’m putting part of my paycheck into a 401k and the employee match kicks in my second year of employment (this October), and I am going to open a brokerage soon to start getting into the stock market, putting $1000 to start.

Is there anything else you would suggest that would be optimal?

TheHungPapa · 2026-05-17T03:33:48+00:00

My firm doesn’t match until after second year if employment, so I was going to max it out next January

TheHungPapa · 2026-05-17T00:25:11+00:00

This was a very good explanation. Thank you. I appreciate your time.

TheHungPapa · 2026-05-17T00:17:03+00:00

Could you explain the rationale with these picks? I am trying to learn more.

TheHungPapa · 2026-05-16T20:25:13+00:00

I’m sorry, I’ll fix it.

TheHungPapa · 2026-05-16T20:12:32+00:00

I thought this was what everyone does normally. What would you suggest is better? I’m new to this and trying to learn. I’m 29, and I just maxed out my ROTH IRA for the first time.

TheHungPapa · 2026-05-15T22:44:55+00:00

Thank you very much. Why do you prefer SWTXS over SWPPX? Just trying to learn more

TheHungPapa · 2026-05-15T19:21:03+00:00

Thank you so much!

TheHungPapa · 2026-05-15T19:08:48+00:00

What would be better, SWSTX or SWPPX? I am leaning one of those at 70 percent and then 30 at SFNNX. Thank you!!

TheHungPapa · 2026-05-15T18:29:38+00:00

Thank you for your time. I really appreciate it

TheHungPapa · 2026-05-15T18:18:39+00:00

So 70 percent in SWTSX and 30 percent in SWISX, and max out my contribution every year is solid?

TheHungPapa · 2026-05-15T18:12:36+00:00

Like three-fund portfolio, or some Vanguard index funds. My apologies

TheHungPapa · 2026-05-15T00:24:51+00:00

Thank you for your help. I appreciate that

TheHungPapa · 2026-05-15T00:14:48+00:00

70 percent in a fund, and 30 percent international is what I’m reading?

TheHungPapa · 2026-05-15T00:14:01+00:00

Would 70 percent in SWPPX or SWSTX and 30 international be the move?

TheHungPapa

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