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Originally Posted by Onwards
How do I divvy up that 60k so that I meet my goals (which are still a little hazy) and manage risk so that it's more likely to grow?
-Get a nest egg going for retirement. I don't know whether to do this through the HSA, the Roth, or both. I also don't know how much I should aim for. Any feedback on this?
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I think Zetta's advice is good on divvying up the money. It will be a little "cleaner" by keeping the DP separate from the retirement.
On the topic of how much to aim for, 15% of gross is a good rule of thumb. Another rule of thumb is that you need 25X yearly expenses saved up to retire. In fact there are whole websites devoted to this. Since you are young and your expenses are likely to change greatly in the future, I would aim for 15% at this point, plus extra for the downpayment.
Since you can't save the whole 15% in a Roth due to income limits you may need an additional taxable brokerage account just for retirement savings, at least until you get a 401k. So you would have 3 accounts total:
1) Roth IRA ($5K per year)
2) Taxable brokerage for retirement ($1750 per year increasing with salary to maintain 15% of gross)
3) Taxable brokerage for DP ($6K per year plus car pymt once paid off)