Tips for how you’re accumulating wealth with absolutely no financial inheritance/intelligence from parents? I want to retire early but am late in the investments game. I have a Roth IRA invested in a target date fund, max out my HSA and invest in REITS and ETFS, and contribute more to 401k when I have leftover $$. What do you guys do? Am i missing any smart moves here?

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Seems like you're doing all the right things. I'm saving for real estate. I'm way more interested in real estate than stocks, so likely will incorporate rental income and/or other real estate investment into my future. Exploring this or other ways to generate passive/semi-passive income may be beneficial.

Following! Doing pretty much what you are OP

Hey, I am low-income but was really passionate about personal finance so I will help as much as I can. The only issue I have seen in your is the target date fund. These funds often underperform and are more for preserving money, not growing. I don't know your age so not sure how they may fit you. Other than that, you seem fine. I would see max out your 401k roth or 401k before HSA. HSA limit is 3 3k while 401k is 22k. Also, HSA are limited in use. Max out 401k, then a personal ira/ hsa split. All savings should be in HYsavings like Ally or Marcus

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