Hello! Hoping for some advice. I finally started making decent money the past few years (140,000/yr) and have been able to save. I'm mid-30s and have been working since 14. Here's the current breakdown: **In retirement accounts**: $110,000 **In cash in UBS money market**: $15,000 I**n Amex savings account**: $43,000 **In fidelity stocks**: $19,000 (most in VOO, FXAIX, Google, and Apple. Some in other fun ones) HERE IS AN IMPORTANT INFO PIECE: I have two upcoming surgeries and will max out insurance (I will pay $7,000) and I started school again so I am paying \~6,000/semester ($18,000/year). I also have to pay taxes on freelance at probably $3,000. So in the upcoming year, I will need $27,000 available. BUT, I am also able to save $1,000/month from paychecks. So I will need $15,000 available to move in the next year. Next year, I should get a bonus (knock on wood) which will likely cover a lot of my school costs for that year. **SO, MY QUESTION**: Is it smarter to take $10,000 out of my amex savings and put 10K into VOO and 10K into FXAIX instead of letting it sit in savings?

Posting on alt account. My wife (38F) and I (36M) had a baby last fall and I'm finally taking some time to adjust our financial future. I mainly follow this sub and Boggleheads for financial advice and use Monarch to track finances/budget. We make roughly \~$390k a year living in a HCOL midwest metro (not Chicago) but have only made that much in the past 2 years. For a quick background, we both have advanced degrees (MS/MBA and JD for her) so we spent most of our 20's in school. That being said, we've been pretty lucky to invest well early (early ETH, Apple, NVIDA, etc) instead of paying down debts which have helped us gain assets and be in a position to knock debts out now. I'm meeting with a financial advisor (free CFP through my job) next month to walk through a personalized financial plan that will help figure out how to best reallocate our cash into investments but wanted to get this group's thoughts as well. Big picture: Assets: $1.43M * 2 homes (1 is a rental): $414k house and $174k condo we rent out * Condo rent=mortgage ($1450) so we breakeven monthly * Retirement accounts/brokerages/529 plan: $452k * Cash: $296k (I know...) * We both got large bonuses last year and let our emergency fund ballon. We were thinking of purchasing another rental but just keep letting the money pile up * Cars: $78k Debt: $576k * Mortgages: 404k($303k & 97k respectively) * Student loans: 167k (mix of grad and law school loans for both of us) * Loans avg \~6% interest so we've been doing the avalanche method paying off the highest % loan monthly. We have 11 loans left and this approach honestly eases my wife's mind because writing checks that big (and fear of potential job loss in this job market as both our companies have had layoffs but we're safe so far) have been a lot to mentally deal with. We've paid off $29k this year * CC: Revolves but typically 4-6k monthly that we pay off on time

Happy about reaching this milestone on Friday! Coming up on 2 YOE at my job. Total comp: \~$110k I put 18% into my 401k with \~6% company match and max HSA and Roth IRA. Whatever’s leftover each month I put into my taxable account when I can My goal now is to increase % to 401k to max it out, then build my taxable brokerage so I can eventually get a house in 5-7 years. Also stack more cash for an emergency fund All accounts are 80% VTI, 20% VXUS Retirement: 401k: $51k Roth IRA: $27k HSA: $13k Taxable: $9k Cash: $2k