At 45 ive manged to get to a place where every year i max out the 401k contribution each year for 23.5k, I contribute 7k to a backdoor roth, I also have a passive income side business that pasy 40k a year and I also save an additional 85k a year from my w2 income on top of all of this. And I have 1 btc and 10 eth i got back during the beginning of covid for cheap. i hit about 900k liquid net worth this year and each year by doing this same system and working my net worth is going up by about 150k a year give or take But for some reason im having internal turmoil with the fact that im not putting the 85k into the market in efts or something. I have like 5k in some stocks and i have the 401k and roth obviously so im in the market but i could literally keep doing this for like 5 to 7 more years and probably get to a very good financial independence number by just doing this and stacking the 85k into a high yield savings account that already has 350k in it... half my Brain says invest in vti or voo or something with the 350k and add like 50k a year to it for 15 years and the other half says don't change a thing and keeping going up 150k safely... im just looking for advice on the 2 schools of thought. If I told my old self that I would be able to stack 150k a year I would say hell ya thats enough. But when I look and see all these 20% returns in the market the last few years I feel like i screwed up... what's wrong with me... Just looking for advice on whwhi should change a system thats slow and steady and working for the etf option in a taxable brokerage acct. That woukd risk the cash im building... some people i know call me conservative but would love to here thoughts
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