{ "media_type": "text", "post_content": "Apologies if this is a silly question - New analyst here and trying to get a handle on my finances and retirement portfolio. I’m familiar with the rough sequence of saving being: 3-6 months HYSA, Company match 401k, Roth IRA, HSA, 401k max, personal brokerage (Pls correct me if i’m incorrect here). My question is: Are you expected to invest as much money as you can into each step before proceeding to the next, or do you allocate a portion of your paycheck to each of these steps simultaneously?", "post_id": "5fa35f83b4a8ab002138a2c0", "reply_count": 5, "vote_count": 3, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Apologies if this is a silly question - New analyst here and trying to get a handle on my finances and retirement portfolio. I’m familiar with the rough sequence of saving being: 3-6 months HYSA, Company match 401k, Roth IRA, HSA, 401k max, personal brokerage (Pls correct me if i’m incorrect here). My question is: Are you expected to invest as much money as you can into each step before proceeding to the next, or do you allocate a portion of your paycheck to each of these steps simultaneously?

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Typically you take advantage of free money (ie 401k match) first and then tax advantaged accounts and then personal brokerage

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You are off to a great start. Try to focus on one or two at a time. I do the 401k and HSA throughout the year through my paycheck. I'd say 1mo emergency fund first, then start 401k at a pace to get full match as you continue to build EF. Once EF is up to your goal then start hacking away at the next step (Roth IRA or HSA) and so on.

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Got it, thanks a lot!

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