Hi all! I would like some thoughts on my current situation and also planning for retirement + optimizing my investment strategy. I would like to retire with my husband as early as we comfortably can. We do have some expensive things planned for the future, such as buying a forever home and possibly having (1) kid. We live in the New England area and want to eventually move to MA for proximity to my job and good public schools (houses we would like are around 650k-750k).
These are our current finances:
- Townhouse bought in 2021 for 250k, 25% down, 5% rate -> Getting $1800 in rent, Mortgage payment of $1640
- Multifamily bought in 2025 (single fam used as primary residence + ADU) for 550k, 5% down, 6.8% rate -> Getting $1850 in rent, Mortgage payment of $4200
- HYSA Sofi: 20k
- 401k: 190k, 85% in VFFSX, 15% in VIEIX
- HSA: 16k
- Stocks: GOOG: 18k, PLTR: 104k
- Salary: 158k/year, Husband: 55k/year
When counting the rental income, we end up paying $2350 for housing. We don’t have any other debt aside of our mortgages and spend 5k a month total on the high end (if we dined out or went on a trip).
I put 1k per paycheck automatically into our HYSA, but realistically could save a lot more. We have been renovating the multifamily and furnishing our place lately so that has eaten into our funds, but we are trying to be better! We do LOVE to travel and go on 2 international trips a year so we are not trying to be too strict with our saving, we want to enjoy life too!
Currently, I’m focused on building up our HYSA more, as well as keep on saving for a 20% down payment on our forever home. What else can I do to more efficiently plan for my financial goals?
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