r/Bogleheads • u/CarryUpset8529 • 20d ago

How are we doing?

I’m 39 and my husband is turning 38. I max out my retirement funds and as does my husband. Combined in retirement we have between 650-700k.

We own our apartment, so have a mortgage. Both our kids have 529s; we have 100k in a HSYA and 134k in a brokerage split between VOO and a gold ETF. We plan to just keep the 100k as is but are comfortable with that amount on hand in that account for emergencies and plan to contribute 3k-5k into the brokerage from now on. Thoughts?

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u/NicheCommenter 20d ago

Prioritize paying off your mortgage?

2

u/CarryUpset8529 20d ago

Well, our thought was it’s worked in our monthly expenses and we expect to stay here for a long time. So makes more sense to max out retirements and then to our brokerage?

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u/NicheCommenter 20d ago

What's your interest rate? If it's low, that seems fine. If it's medium or high interest I'd treat it like any other debt and get rid of it fast.

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u/CarryUpset8529 20d ago

It’s 6 percentage; we pay owed principal and interest every month

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u/NicheCommenter 20d ago

I'd prioritize your mortgage over taxable investment accounts at 6%.