Outside of a HYSA, what things do you do to manage your $$? I know HYSA and 401k are the basic ones, but starting to think beyond them and trying to get a sense for what's common / recommended!

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Roth IRA is the best investment vehicle available in the US (other than marriage aka dual income)

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Looking into this today! Thank you

15% of pre tax income to retirement: max out the company match on the 401k, then max out my IRA, anything left to get to 15% of my income back to 401k . 10% of my paycheck goes to my HYSA, and I have a monthly transfer to a standard non retirement brokerage (I use one with a robo advisor but you could also invest simple enough to self manage and be very successful!)

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Thank you!! Adding to reading list :)

If you have an Health Savings Account, maxing that out is great too.

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As definitely not maxing mine out now so will do this too! Thank you

IRA and HSA are a must in addition to 401k. If you can’t do a Roth IRA because of income, definitely do the back door Roth IRA contribution. As far as actual investment, have been sticking with simple index funds vs individual stocks or managed funds because they historically outperform over time.

Additional funds or funds you need before retirement should go to a brokerage. Cash is important too, but do what you can to get a decent yield. Right now MMF funds tied to treasuries (very safe) pay at least 4% so should be getting at least that on you cash.

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