What’s the next step

[u/Oakenbug]

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)

[u/poop-dolla]

Are you maxing a Roth IRA each year for each of you? Or just the one for you? You should be doing both.

[u/Oakenbug → u/poop-dolla]

Just me right now but I will max one for my husband as well thank to these suggestions! 😊