Hi folks.
I'm in a fortunate position after selling my former primary residence (which I had rented out the last 1.5 years), netting about 255k. I plan to use about 125k on a house down payment sometime this year (or in 2019, who knows?). But would like some feedback on investing/saving the other ~130k to combine long and medium term growth as well as conservative.
Here are my general thoughts on where to put it:
* $55k VTSAX and/or VTI post tax to use toward eventual FIRE, hopefully in 2020, but funds wouldn't be used for living expenses until 2021-22 at the earliest
* $40k in low-to-med risk post tax Vanguard account for long-term house repairs/remodel; vacation fund for 2019; moderate growth -- any recommendations here for Vanguard mutual/index funds?
* $11k in traditional IRA VTSAX contributions for me and spouse
* $10k in emergency fund earning 3% (interest drops significantly after 10k)
* $8k in CIT Bank at 1.85% (newer bed, newer washer/dryer, moving expenses, short-term house repairs)
* $4k into kid's 529, state-tax deductible
Thanks for any advice y'all may have!