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SmartBar88 t1_iuk0ly3 wrote

Sounds like you are doing great for your age! Congratulations!

One cent's worth - consider building an emergency fund that makes you comfortable. Three-six months is good for most at your age.

One cent's worth - If I had one thing I could redo it would be to max out my annual Roth contribution. Just nice to have the extra tax free accumulation and withdrawal bucket for later in life.

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TheBigShrimp OP t1_iuk0vcl wrote

Thanks!

Sorry I didn't expand:

I have a $12k emergency fund.

$35k in a Roth IRA and $28k in a 401k.

This will probably be the first year I don't hit my max on the Roth, but I could if I sacrifice some emergency fund. Just gonna see how it goes, I have about $3k left to contribute this year. Normally I prioritize it but my girlfriend opened a business and I had to spend a little extra for support/her needs.

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