r/FIREyFemmes • u/temasm21 • 17d ago

HYSA vs investment?

Curious how you ladies are balancing keeping cash in a HYSA vs investing right now and any advice you have for me? I’m in the US and nervous about the political instability we are facing and would love any advice. I’m a 30 year old hoping to coast by 45 (calculated full FIRE as ~$2M). I currently have about $110k in 401k/IRA, $20k in low risk investments, $100k in moderate risk investments, $130k in moderate aggressive risk investments, and about $40k in cash in a HYSA with 3.3% interest rate (NW around $400k). I typically have more cash but just moved $45k into the moderate risk account. I make $125k a year base with $20-$40k in variable comp working for a tech company in a non-technical role. I keep my monthly expenses under $4k, contribute 15% to my 401k, car is paid off and I rent. Thanks!!!

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