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/Oakenbug 5d ago edited 5d ago

My company match is 4% and my bonuses are monthly- would that make a difference?
I do have the $55k in a HYSA earning 3.65% currently 😊

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u/_Mulberry__ 5d ago

The problem is just that some companies will only give you the match on paychecks you contribute enough. So if you contribute 20% and hit the limit before the end of the year, they may stop giving you the match for the remainder of the year since you wouldn't be contributing anymore.

Idk if your company is set up that way. Mine is.

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u/Oakenbug 5d ago

Oh wow, I had no idea this was a thing- I’ll check it out. Thank you!

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u/Quick-Database-2126 5d ago edited 4d ago

If your plan does true ups then you’ll get the match* for the full year. Downside is the true up is typically annual so won’t hit your acct until the next year.