u/theconfidentobserver ·
Reddit — r/investing
· 2026년 5월 9일, 01:03
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My husband and I recently experienced some life changes and we are trying to figure out the best ways to optimize our extra cash flow.
We maxed out our IRAs this year. We have emergency savings and some other savings in a HYSA. Part of that savings is intended to be to max out ou roths again in 2027. I am starting to wonder if that money might be better spent just invested in a brokerage though?
We don’t have any other debt aside from our mortgage - which we’re applying extra cash to principle each month.
We have 401k max contributions set up, accounts for our kids, the Roths and our own brokerage accounts (very new ones).
What would you do?