What would you recommend doing with extra cash after max 401k and IRA? Open a brokerage account and continue to invest in the market or diversify into real estate/small business? Total noob btw...

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could max out HSA or open a 529 if those options make sense for you

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Pay off all debt and then invest in low cost index funds to build up “cash” to invest in real estate.

Definitely max out HSA. Also build an 8-12 month emergency fund that's easily accessible - like in a high-interest savings account, money market, short-term / no-penalty CDs, etc.

Have debt paid off and emergency fund of 6months. Thanks for the index fund idea and also the HSA. Need to do both of those 👍🏻

Check out Bogleheads book on 3-fund portfolio strategy. 3 index funds US total stock market index, Intl stock market index and total bond index for index investing. The key is the allocation of the 3 funds. 60-20-20 or 70-15-15,etc

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