u/AugustBurnsBill

Hey guys, I have roughly 200k between my 401k and Roth IRA. I’m currently putting $1625 a month into both of these. My employer matches 4% and I max my Roth yearly.

I also contribute $500 extra to the principal of my mortgage, and will have it paid off by 40. I will then invest my current $2500 mortgage payment into the market as I won’t have a payment. I also add $500 a month to my emergency fund.

I am 30, I was wondering if my plan was to be semi retired or fully retired before my 60’s - should I open a brokerage and distribute funds to that so I can have more cash on hand when I do plan to retire?

Update: mortgage is 6.9%