[USER]

Hi, I am making 100k+ plus and husband makes 72k with good insurance. We don’t have much in retirement.

We are in our mid 30’s. I have 50k in HYSA, 25k in 401k VTSAX.

If you could start all over or if you already know what to do and had 50k cash where would you dump it all in?

I feel like I will never be a millionaire now but posts over here encouraging me to start somewhere.

Ty for your guidance.

[Steve]

If you can manage to invest $500/month into some S&P type fund, in 30 years you should be a millionaire.

The only hard part is having patience. You can do it.

[Scott]

Make sure you’re putting away 10% of your salary and you’ll be a millionaire in 17yrs. 401k to match, Roth Ira’s, 529’s if you have kids.

Most of that 40k needs to stay where it is and be your emergency fund.

[Noa]

We were where you were 4 years ago. We now have $350k in retirement, and $1.7M in RE ($1.1M debt).

Decrease expenses, max out retirement, increase income.

[Author]

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