Am I on the right track? Feels like this is taking too long.
I’m early 30s, have about 200k in savings or cds, retirement another 100k, and a brokerage I play around w individual stocks at 80k. so sitting around 395k rn. no debt but might go back to school. my fear of debt prevents me really considering it as an option. But ideally id get 3 mil or so inclusive of property and leave the labor force.
this feels behind, but idk how to fix it. my retirement accounts only let me invest in index funds or managed funds - I’ve defaulted to s&p 500 funds for a while, would love to be able to direct that $$ somewhere else.
recently started making after tax contributions to 401k. already max out a Roth but again, can only buy managed funds or index funds that take a cut.
i feel this is going too slowly. I’ve tried to save, I admit I spend more than I should renting my place and on drinks but few other expenses so can put away a fair amount. any initial thoughts or where I should turn to? tbh I would invest more of that 200k but I truly feel that the stock market is due for a crash and can’t shake the feeling. I was unemployed basically until 25, started making 55k now finally making 150k.
edit: thanks for the gut check all! I’m sorry if this sounded ungrateful- I know I’m in a good position, but truthfully it’s taken a lot of scrimping / saving to get to this point.. and I don’t have anyone in my life to talk to about this. so really just wanted to lay it all out there and see what others think.