Honestly, what you are doing already sounds really good. I think you're probably already planning better than most people.
Double check your emergency fund. You want to have enough in liquid assets (cash or bank savings account) to cover your family for 3-6 months if something drastic happened and income went to zero. If you already have that, disregard..
Past that - if you are already maxing roth and doing a good amount into 401(k) - can either of you contribute to an HSA? That might be the next best tax-advantaged account to max.
Past that, you max 401(k) and then start contributing to to a standard brokerage account. Sounds like you've already got a good handle on all this.
GameHat t1_iu81sxh wrote
Reply to Are We Doing Retirement Contributions Right? by findingnemo202020
Honestly, what you are doing already sounds really good. I think you're probably already planning better than most people.
Double check your emergency fund. You want to have enough in liquid assets (cash or bank savings account) to cover your family for 3-6 months if something drastic happened and income went to zero. If you already have that, disregard..
Past that - if you are already maxing roth and doing a good amount into 401(k) - can either of you contribute to an HSA? That might be the next best tax-advantaged account to max.
Past that, you max 401(k) and then start contributing to to a standard brokerage account. Sounds like you've already got a good handle on all this.