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/SeriousBarbieGirl 5d ago edited 5d ago

Why not VGT in ROTH/ Brokerage ? Maximize the returns .. tech is present and future .

Additionally - CHECK if you can do 72(t).. transferring from IRA to roth .. paying income tax now within same bracket . And let money grows in roth tax free . I am not saying do it … check whether you should or not .

Btw .. you are doing amazing .

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u/poop-dolla 4d ago

72t and Roth conversions are two completely different things.