Hello community. Starting a job this month..base 150k, bonus 140k over 2 yrs, about 150k in stock. I want to join the fire movement. 12k emergency. 3k a month in expenses, mortgage, student loans is bulk. Tired of individual stock picking. Started investing in the VTI. Roth ira I guess I can't contribute anymore. Any advice of funds to pour into with the extra cash flow? Thx.

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Follow this. I would move HSA above IRA though. Limits are outdated now, but otherwise this is still helpful.

Also you can just do a backdoor Roth if you're over the limit.

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You're confusing backdoor Roth and megabackdoor Roth. Backdoor Roth has nothing to do with 401k. Megabackdoor does.

There is nothing saying you should convert your entire 401k to Roth annually. Doing so would likely be a bad idea. I think you're a bit confused on what a megabackdoor Roth is.

Where do you work?

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VTI and VOO are usually the first 2 index funds that people explore for a simple fire plan. You could sprinkle in some VTIAX if you want some international exposure.

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F

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