u/Home-Star-Walker

After being stuck in Guardian for a good while as a primarily support player, I'm interested in switching over to a Pos 1 main. Right now, the two Pos 1's I'm most comfortable with are Faceless Void and Drow.

So far I've found that Drow is super easy to win with but FV is really not. Teammates get way too tilted way too easily with an FV because they think I farm too much, I don't land literally perfect chronos every time or I'm not strong enough soon enough.

So, I'm looking for other melee hero suggestions for Pos 1, but not Jugg or Ursa because they're too ubiquitous. Sven and Alch seem interesting, but I'm interested in everyone else's thoughts about 1 or 2 other heroes to start playing and getting accustomed with.

My wife and I are in a good spot financially. 33 years old, no non-mortgage debt, high incomes, healthy savings:

Savings

• Retirement accounts (401k, Roth IRA): $950k

• Cash savings/Efund: $150k

• Mortgage: $700k at 6.5%

• 1yr Old’s 529: $20k

Income

• Combined MAGI: About $550k/yr, more like $350k after taxes

• Expenses: $220k/yr

• Savings Rate: $130k/yr

We’re maxing out the tax-advantaged accounts, doing the Backdoor Roth conversions, we have a year’s worth of expenses saved up. So I think we have some options but my wife and I aren’t entirely sure which direction to go. My question for the sub is where to go from here. Pay down the mortgage? Invest in brokerage account? Superfund the 529b early? Take some more high risk / high reward strategies like investing with margin? What would you guys do? I’m certainly not opposed to FIRE strategies but idk if I’d be comfortable with that until I hit a pretty high savings number, definitely north of $5MM.

Hello,

I'd like to get the community's thoughts on indexing and asset allocation strategy to save for significant mid-term expenses - for example, a planned future home purchase or significant house add-ons like a pool or an expansion.

In my mind, a logical way to approach saving for such a goal is in something like a 60/40 stock/bond fund since you get some of the upside growth of the stock market which tends to do well on 7-10 year time horizons but you also secure a good deal of downside market exposure with the bonds - but in a down market I'm probably not buying that house or doing that expansion anyways. But, if it is a goal of mine to do so, then saving however many tens of thousands of dollars in straight cash getting just an HYSA interest rate seems like it won't cut it.

Curious to know how others here approach this situation - am I overthinking it and just stick to an HYSA? Or go full-bore into VT with it and hope for the best?