Hi Guys-
I don't suppose I'm super super new, but I really don't know what I'm doing still.
Bottom line: Hubby and I are 35. We will be 100% debt free including our home in 4-5 years. We plan on staying on our land/home - no intentions on moving or selling.
Right now we have about $3k in each of our kids college funds ( we have 3, ages: 12,10,6). I'll put a small amount monthly into each of their accounts and they will just have what they have. I do not forsee us footing the entire bill for their college.
Right now we have:
$165k in husbands 401k
$130k in my 401k
$1500.00 in some stocks from my husbands company
$5000 in my HSA which we don't plan to touch as my husband also has an FSA.
My question is- what can I be investing a small amount in now that I will have access to if we do want to retire early? the 401ks we can't access without a penalty until we are 59.5 correct?
So where can I be putting a little money aside now that may grow and give me some kind of easily accessible option in our mid 40s if one or both of us decide to retire?
Thanks.