I’ve maxed out my 401k and IRA and have no student debt and have an emergency fund of 6 months in a HYSA. What can I do next? I tried betterment but not very happy with the results but feel like I may be getting ripped off for their fees. Should I open a Vanguard account? Mutual funds? Please advise!

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HSA if you have a HDHP. Otherwise yes if you don't like the direction of a betterment or roboadvisor then you can get low fee diversification from index fund etfs and mutual funds. Any of the real established brokerages that offer free trades are fine, some may offer a small bonus for opening a new account with x,000.

If you have any short to mid term goals or known upcoming expenses you may want to consider keeping those in a HYSA as well.

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GOOD WORK!!! You did something not many people can do! Inspiration to many!

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If you've maxed 401k and your IRA then max the HSA and then open a personal brokerage account and invest in index/mutual funds and ETF. Look into buying property to rent out and house hack but just be careful because that can come with a lot of headaches

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What is HSA and HDHP? The index funds in brokerage accounts make sense to me.

If you have a high deductible health plan (insurance) you can fund your Health Savings Account with pretax money that is also not taxed later if used for medical expenses. You can invest it and let it grow rather than using it.

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I’m in the same spot. Going for real estate to diversify.

West coast

In similar scenario. Decided to just open a Fidelity account and bought VOO/VTI.

Thank you!

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