Hello,
Looking for advice - I've been following the Prime Directive and I think my situation falls outside of the guidance it provides.
No debt. 6+ Month Emergency Fund. Maxing out employer offered retirement fund. Maxed out ROTH IRA for 2021. Not HSA eligible. No children.
So, the flowchart says: "Would you like to retire early?" Sure, that sounds great.
Max out 401k, 403b, or other employer sponsored account, consider the "mega backdoor Roth IRA" then use a taxable account.
So, ultimately my question is - when my budget allows (not often) I can go above all of these savings goals. I can either toss a hundred into a taxable account OR, what I'm thinking might be smart for my situation, is to start saving those unusual extra dollars in a savings account so I can immediately max out my ROTH IRA for 2022 on January 1st.
What would you do in my situation?
Thank you.
Submitted July 23, 2021 at 10:22AM by nullscore https://ift.tt/3eOnNjz
