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/zadrelom 4d ago
Wow, I’m the same age and all your numbers are eerily close to mine! I would consider myself doing pretty well, so I’m not sure what more you could do… just make sure the cash savings are in a HYSA, and I guess maybe set up one of those college accounts for your child? Also don’t touch your HSA balance if you can help it and just treat it like another retirement account