I would maximize pre-tax before any I-bonds. Also, I would prefer pre-tax before any Roth IRA unless in very low bracket.Hello, wanted to get concurrence if we have our investment account order set correctly. In terms of best investment first, also considering our ages (and thus being able to withdraw sooner). Please let me know if we missed anything.
My Age: 41
Wife Age: 33
We do not have access to a HDHP/HSA. We have no children so no need for 529. We already have EF fully funded for six months, and have I-Bonds and our Roth IRAs as backups if a greater emergency. Wife can contribute to both a 457 and 403, but her match is done only into the 401A.
1. My 401k to match
2. Her 401A to match
3. Her 457B to max (because can withdraw anytime no penalty)
4. My Roth IRA (more investment choices than company retirement accounts)
5. Her Roth IRA
6. I-Bonds to $20K
7. My 401k to max
8. Her 403B to max
9. Rest to our taxable brokerage
Thanks!
Statistics: Posted by babystep — Fri Feb 07, 2025 10:55 pm — Replies 8 — Views 829