Total Noob

[zen.af]

Hey All,

Ran across this website listening to a Tim Ferriss podcast last week and was able to dive in a little bit today.  Lots a great info here but if you could give me a little aid of where exactly I should put any additional monies I have it would be much appreciated.  I guess my concern stems from almost all of my "savings" currently are in a 401k which can't be touched until much later than my preferred age of retirement.  Also I know currently Im not living a "mustachio" lifestyle with a car payment and all but in time I can definitely get this on track so here are my current stats with a 401k increase done today included

Age 36

salary - 100,000
401K - 259,000  15% contribution (upped today from 10%)
company match 5,000
savings in checking - 18,000
stock options - 50,000
car loan - 20,000
credit card debt - 0
Rent - 1100

With other bills included cable and phone bills will be cut back my current bills are 1945.  With my new increase in 401k allocation Ill probably be taking home roughly 3500 each month. 
How should I invest the additional income? The vanguard site has retirement income and personal investments as options.  My biggest concern is if I don't have all of the 675K in one spot it won't be accruing the funds I need to live or am I looking at it all wrong?  Any help or direction to topics such as this one would be greatly appreciated.  Thanks so much

[MDM]

... if you could give me a little aid of where exactly I should put any additional monies I have it would be much appreciated.

zen.af, welcome to the forum.  See Investment Order for the usual suggestions.

I guess my concern stems from almost all of my "savings" currently are in a 401k which can't be touched until much later than my preferred age of retirement.

See https://forum.mrmoneymustache.com/investor-alley/how-to-withdraw-funds-from-your-ira-and-401k-without-penalty-before-age-59-5/ for that.

My biggest concern is if I don't have all of the 675K in one spot it won't be accruing the funds I need to live or am I looking at it all wrong?

Yes, that is not correct.  If "r" is your annual investment return and "n" is the number of years, an original amount grows by a factor of (1+r)^n in n years.

Note that A*(1+r)^n + B*(1+r)^n + C*(1+r)^n (i.e., three different spots) is the same as (A+B+C)*(1+r)^n (i.e., all in one spot).

If you want a deeper drill from folks here, see https://forum.mrmoneymustache.com/case-studies/how-to-write-a-'case-study'-topic/.  Good luck!