- Maxing out 401k, all in Vanguard Target Date Retirement Fund
- Maxing out Roth IRA, all in Vanguard Target Date Retirement Fund
- Maxing out HSA, have $6000 set aside for out of pocket maximum, the rest is being invested into 3 cheap index funds (charles schwab small cap, large cap, and international fund). All receipts are kept.
- $24,000 emergency fund
- Make ~$2180/mo after all contributions. After all expenses taken into account, I have $850/mo.
I really don't feel like owning a house. I'm still early in my career, single, and don't know where I am going to be 5 years from now.
I can see myself renting for the next 10 years TBH, home ownership sounds very stressful to me. All the unexpected expenses, the insurance, the HOA fees, etc. Also, if I were to lose my job and my mortgage wasn't paid off, I would be screwed.
I have to also be willing to sacrifice not maxing out my investment accounts to be able to afford the house that I want.
On top of all of that, I am not good with my hands, so if something breaks, I'm in a bad situation.
What are some investments I can make with the extra $850 I am receiving each month?
Edit:
Based off my investments, you will see that I am a passive/conservative investor. I like the "set it and forget it" type of funds.
Submitted January 04, 2018 at 11:23AM by trollsef http://ift.tt/2Aqtr4E
