At this point, because of an unexpected sum I received from a former employer, I have about $260,000 in pre-tax savings at age 3 (I had 205,000 but got that sum this month). I have about $5000 in after tax savings, and a little bit of debt left ($12,000). I make $130,000 plus bonus per year, and it still makes sense to max out my 401k in my state (high state taxes and relatively high federal taxes). Or does it? Should I cut back on the 401k and start aggressively saving after-tax in a brokerage instead? I know I could do both but my rent is a bit high ($2000 - not high for the area but high for my income). Help!