u/Horror-Sir7864

title says it all.

no debt besides mortgage, 750k income, on a FIRE path investing enough each year to meet our goals. Looking to put a 200-250K pool in. Will have about 40-50% cash down payment ready this fall. Options are to do it now financing ~$100K vs. wait another 1-2 years to pay all in cash. Probably do not have enough equity to fully do HELOC, so likely a higher interest unsecured loan.

If we finance half, we would plan to pay it off in 12-18 months, so the interest expense is minimal. Loan payments may slightly decrease our brokerage contributions for 1 year, but will still be investing ~100K/year.

I am mostly asking about debt philosophy. Not worried about my ability to pay back quick. More curious about perspectives on financing non-essentials/luxury items given the particulars above.

My spouse and I plan to retire in early to mid 50s (~20 years from now) with goal of $6m between 403B and brokerage based on my FIRE numbers.

I now have the option to do megabackdoor Roth or continue putting money in brokerage. I don’t know the best way to break this amount down.

We are investing about $150k/ year between both instruments including maxing pretax 403B/match/backdoor Roth/brokerage. If we fully fund our megabackdoor Roth annually, our plan would only need a small amount of monthly contribution into brokerage to hit our annual targets. Since we plan to retire well before 60s, I assume we need a good amount of money in our brokerage account to avoid early withdrawal fees on our 403B until we hit retirement age.

Does anyone have insight on how to best balance this?