How old are you? What do you have in TSP or other 401k’s?

Get a brokerage account and save there. REITs throw off a lot of taxable income. Better to hold a REIT index in the IRA and hold stock index funds in the brokerage account. If you own the stock market or the S&P 500 you already own a bit of the most productive and profitable real estate on Earth, making REITs somewhat redundant. Don't put too much of your savings in REITs unless you need the current income.

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Hi there,

The fact that you're saving is arguably the best advice anyone can give you, so good job and keep it up!

The question of where to put your money now that you've maxed out your Roth IRA, you have quite a bit of options. I'd say the easiest and probably most effective is to open up a Brokerage account through a large name like Fidelity and invest in VOO or some other low-cost S&P based product. REITs are a good option, you just need to research the product, performance, and fees.

I'd say don't put any more money into your mortgage than you need to unless you 'really' hate the thought of having debt. 3.5% is the lowest you'll likely ever see it and REITs, mutual funds, ETFs (even safer ones than VOO) have historically outperformed 3.5%, easily. You already have the house and giving another dollar to the mortgage goes straight to the bank and you'll never see that money again. I would use that dollar to have interest work 'for' you rather than against you.

Other investment options like Cash Value Life Insurance or buying an investment property can be good options, but require a lot of research, which is something you would have to ask yourself if you want to invest the time.

Hope this helps!