[Personal Finance] What next?

May 4, 2018 28 Comments

My wife and I are doing the following things:

1. Maxing out our 401k - $18.5k/each
2. Maxing our IRA (then backdoor converting) - $5.5k/each
3. Maxing out our HSA contribution - around $3k each
4. Maxing out our ESPP - 15% each at 10% discount. Selling immediately and then putting it into high yield savings or a vanguard index fund.

So as a next step which one would you do?

1.Max out our $27k after tax 401k (then backdoor roth) for both of us
2. Increase our mortgage payment (interest rate at 4%)
3. Save up our cash fund (currently have around $50k cash with a few more liquid accounts)

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