I'm 35yo, single and sort-of Mustachian (saving 50% of my post-tax income -- but I still have frivolities like cable TV).
I've maxed out my employer 403b, my HSA and my backdoor Roth.
I'm trying to figure out the best place to invest the extra money that I am saving (part of that 50% of my income that needs to be saved somehow after I have maxed the other options out).
I'm hopeful that I might someday have kids, but recognize that I might not since I'm 35yo and single. I could potentially be interested in grad school someday, but not now (I already have a graduate degree and don't see the need for more, unless I have a career change).
I'm considering investing in a 529 in case I have a kid or want to go to grad school someday -- but maybe it would be better to just put more money in Betterment or some other taxable vehicle?
Of note: I also still have some student loans - about 50K at 2.8% interest. Based on what I have read/know, I have been letting that ride. I don't own a home, so it is nice to think that I have some money in non-retirement accounts that is extractable should I decide I need a down payment on a home in the future (although no current plans to buy - very happy in my rental situation).
Interested in the wisdom of this group. Thanks in advance.