unleveleddesigns
Confused about dryer sheets
- Joined
- Oct 22, 2017
- Messages
- 2
Hey all surprise surprise I'm curious if I'm on track:
29 years old, single, income base in the 70k range.. Retirement goal age 50 for working part time at whatever job to make my normal spending but let retirement grow on its own age 55 be able to quit for good if I feel like it but whose to say.
401k:68000 (9k roth rest traditional (95%stock 5% bonds) January I will start contributing maximum (18500)
Roth ira: just opened with 1k in target retirement fund furthest out vanguard offered
Taxable account: 9k bond funds in currently planning this as half my emergency fund (ie 3 monthsof 6)
Savings and checking accounts should have remainder of efund in place by April.
Hsa: roughly 4k cash account waiting for td options to open to invest all but 1500
Currently only debt is mortgage at 117k
Monthly expenses around 33k Im quite happy with my living currently but would like to be remodeling my house.
So am I on track, need to increase savings, where,, thinking I'd like to save Max in ira but not sure if I'll be able to stretch that thin or not. Maybe Max hsa instead to lower taxable income?
29 years old, single, income base in the 70k range.. Retirement goal age 50 for working part time at whatever job to make my normal spending but let retirement grow on its own age 55 be able to quit for good if I feel like it but whose to say.
401k:68000 (9k roth rest traditional (95%stock 5% bonds) January I will start contributing maximum (18500)
Roth ira: just opened with 1k in target retirement fund furthest out vanguard offered
Taxable account: 9k bond funds in currently planning this as half my emergency fund (ie 3 monthsof 6)
Savings and checking accounts should have remainder of efund in place by April.
Hsa: roughly 4k cash account waiting for td options to open to invest all but 1500
Currently only debt is mortgage at 117k
Monthly expenses around 33k Im quite happy with my living currently but would like to be remodeling my house.
So am I on track, need to increase savings, where,, thinking I'd like to save Max in ira but not sure if I'll be able to stretch that thin or not. Maybe Max hsa instead to lower taxable income?