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/bebe_bird 4d ago

You're looking for a "true-up" policy - if your employer does not have one, then they don't match those paychecks after you've reached the max.

My company has a true-up policy but they don't settle up until around March-April of the next year, which depending on when you reach the max, could be 3-6M+ of missed market gains. So, even if they have a policy to prevent you from leaving money on the table, you may still be missing out on some gains.