|Was a little shocked at how much our retirement accounts were up when I logged in today (1/4). Overall we are up 15% vs. Jan 2020. |
For 2021 I have dropped my 401k contribution to 5% and switched it from Roth to trad. I was contributing 10% to Roth 401k, and will put the rest of that into taxable accounts. We look good on the long term retirement front, but if we want to retire early or cut back at some point, we need to bulk up our non-retirement savings.
This year we will max out HSA and contribute some to a limited FSA, so we'll be contributing 13-14k to pretax accounts, on ~100k income. Still working through the rest of our 2021 goals. 2020 was our first year with an HSA, and we maxed it out while cash flowing medical expenses so it's currently a little over 8k. I lump it in with stocks here.