Maxed 401k/HSA and have $100k cash + $3k/mo surplus. Just bought a house—should I focus on increasing equity, or is a dedicated investment property a better move? I’ve found that keeping high liquidity leads to avoidable family expenses, so I’m looking to 'lock' this into growth assets. Waiting for my GC but expected to get that soon. Do you guys invest in properties in India?

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Back door Roth IRA for sure—$7500 for each working spouse.

With the rest, I’d do a brokerage account with a mix of stocks and index funds based on your risk tolerance. This money grows fast. I was in a similar situation as you about 10 years ago. I crossed 7 figures in my brokerage account last year.

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You want to have some cash in accessible/ HYSA account to cover emergencies. So that cushion is needed.

If you already have that, then probably start with stocks/ ETFs etc. And then you can diversify into real estate or anything other alternative mediums once you have substantial funds. You can also have a IRA and leverage any backdoor Roth if EY offers it.

Thanks SVP 1 and AWS1.
SPV1 have you tried any financial advisor?

Thanks for the wise advise SVP1

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