I'm in my early 30s and wondering what moves to make. I have enough liquid cash for an emergency fund of 5-6 months, no kids yet, no bad debt, and a fidelity 401k with about 65k to which I just upped my contribution from 11% to 15% (employer 6% match) and a small schwab brokerage account. Would you invest more into schwab brokerage or retirement with anything left over and why? Still trying to understand long term outcomes of different strategies. TIA!

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Can you do Roth or backdoor Roth IRA?

Really up to you, retirement accounts have great tax benefits but if you have a large expense coming up in the short or mid term may be better to keep it accessable in a brokerage.

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No, brokerage is usually the last in order of places to invest your money. Always go for tax efficient accounts first (401k, roth, hsa, mega back door, etc).

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SM1 thank you this is so helpful! Definitely looking into this!

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