u/JFanonymous

**📊 My 2026 Annual Investment Strategy – 32M, Seattle, ~$300k Income. What Would You Change?**

Hey everyone! Wanted to share my current annual investment breakdown and get some honest feedback. I'm 32, living with girlfriend (no kids), living in Seattle (for now), and work in public safety technology — a fast-growing field. Here's where every dollar goes each year:

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**💼 Taxable Brokerage — $95,000/yr**
High-conviction tech growth stocks: Palantir (PLTR), CrowdStrike (CRWD), Nvidia (NVDA), ServiceNow (NOW), and ARM Holdings (ARM). These are long-term holds.

**🏦 401(k) — $24,500/yr (maxed)**
Invested in an S&P 500 index fund. Maxing the 2026 IRS limit every year.

**🔄 Backdoor Roth IRA — $7,500/yr (maxed)**
At my income level I can't contribute directly to a Roth, so I do the Traditional IRA → Roth rollover every year.

**₿ Crypto — $10,000/yr**
40% Bitcoin · 30% Ethereum · 30% Solana. Small speculative allocation relative to my overall portfolio.

**🏥 HSA — $4,400/yr (maxed)**
Self-only HDHP coverage. Invested in an S&P 500 index fund and treating it as a stealth retirement account.

**✈️ Sinking Funds — ~$6,000/yr**
~$500/month set aside for travel and miscellaneous lifestyle spending.

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**💰 TOTAL INVESTED: $147,400/yr (~49% savings rate)**

**A few other notes:**
- Emergency fund: currently at $50k, targeting $100k
- Pre-IPO stock options: ~10,000 shares in a public safety tech company — estimating a 5–6× multiple at IPO (a few years out)
- Currently renting — not prioritizing a home purchase right now
- No debt

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Curious what you all think. Am I over-concentrated in tech? Should I be doing anything differently at this stage? Would love to hear from people who've been in a similar spot. 🙏