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Once again, I appreciate the advice! I just called Vanguard up—they were great to deal with. In less then 10 minutes, we had the account "consolidation" process started. 38Chevy454: good plan. I'll keep socking away this land money until I get 50-80k, then I'll revisit how I can fully max the...

You all are awesome—thanks for taking the time to reply. That's a great way of describing it, and is not a connection I've made before. Cheers! Yes :facepalm: I'm not sure why I did this (and maybe there's an easy way to correct it), but all of my investments are through Vanguard. I knew...

I'm ignorant on how some of this works (especially optimizing taxes), so I'm looking for pointers or links to good reading material. Me: - 36yo, single, no kids - 100k gross income - Living in a house worth ~225k, with 95k still owed - Have emergency funds Currently maxing out my accounts...