What would you do differently if you were me?


My wife and I max out 401k. I also do mega backdoor the amount that is allowed by my employer.

We monthly invest $500 in each of our Roth IRAs through backdoor. We just do automatic $400 into 2055 target fund and $100 into total US market fund.

I also invest $500/month into 2039 target fund in 529 for my kid.

Because I still have too much cash left after this, I am planning to do automatic investments in a taxable account in Robinhood. Maybe VTI, VXUS, VNQ, and BND.

I also have a taxable account that I use to scalp daily to make a few hundreds a week.

What would you do differently if you were me?

I personally don't feel comfortable putting lump sums so I am just doing DCA monthly in all of my accounts.


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