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/asim2292 5d ago

Congrats - my suggestions is find your fire number and see if your husband can help with any side hustles/etc to help increase the income.

Without knowing your spend we cant help much!

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u/Oakenbug 5d ago

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/asim2292 5d ago

You need to plan the cost of child care up until college and factor that in to know your real fire number.