25 and on my way... but a few questions, please.
I'm 25 years old and have been maxing my ROTH IRA since I was 18. I currently have an additional $400/week that can be directed toward retirement savings. I have no options at work so I've been dumping into a taxable account with Vanguard. Is there a more tax efficient way to save after the ROTH is fully funded?
My ROTH is currently 100% invested in VFIFX... should I trust this "automatic" allocation approach, or would I be better served controlling allocation myself?
Also, I have ±$160,000 saved for a down payment on my first home, and I'm looking in the $250-$300K range. Considering historic interest rates, should I put down the minimum to avoid PMI, say 20%, or should I go ahead and flop the entire $160K down? This would leave me with ±$20,000 emergency fund.