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Decided to payoff my mortgage.
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YOLO the majority on TSLA calls
Can’t be afraid of the tendies
I don’t max out my 401k because I rather have liquid cash for investments. Once it’s in the 401k, it’s locked in until you retire. I only do company match, max Roth IRA, some into my taxable brokerage and rest to real estate fund
Right, whenever I put money into 401k I assume it’s locked it until I leave the company and convert my 401k. But until Op leaves the company, it’s stuck. I don’t think you can transfer out your 401k until you leave
Use a retirement calculator to see how much you need to save per month to reach your retirement goal. Do it to age 100 because people live longer nowadays. It should spit out a monthly amount. Use that amount as your combined Roth/IRA/401k max that you’ll never touch, then put further savings into a normal brokerage account where you can access that money whenever you want.
My husband and I put 15% to retirement and the rest in normal savings and investing for more immediate needs.
If you know the rough amount you need and when for those near-term goals, see if you can still keep up your current savings while putting money in savings for those near-term goals. Hopefully you have a separate emergency fund too.