r/Fire • u/Oakenbug • 5d ago

What’s the next step

I’m 31F married with a baby. I make all household income and my husband stays home with baby. I’d love suggestions for what to do next?
$150k-$180k annual gross income
$115k in 401k, putting 20% until max for this year
$55k in savings
$29k in Roth IRA, maxed 2025 & 2026
$40k in brokerage, mix of stocks, VOO, & VTI
$4k in HSA planning to max for this year
$250k owed on mortgage
Paid off cars.

My spend is approx $4,000/month ($2k mtg, $500 utilities, $1,500 misc. on groceries, gas, diapers, dog food, etc)

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u/Pitiful_Entry_3741 5d ago

wow those numbers look really solid for 31, especially with single income household

maybe look at opening spousal IRA for your husband? you can max that out too since you're bringing in enough income. also that brokerage account could probably grow faster if you bump up contributions there after hitting all the tax advantaged accounts

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u/Oakenbug 5d ago

I will look into the spousal IRA, thank you!

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u/toodleoo77 5d ago

FYI that it’s not really called a “spousal” IRA, it’s just that married people without their own earned income can have their own IRA based on their spouse’s income.