Long time reader, finally made up mind to ask suggestions since collective experience is much more than mine.
Me and wife are 34 years young (old), 1 kid 4 years, living a normal life however working towards FI for last few years only. Like most people my twenties were full of fun where I never cared how much I made or saved or spent, thankfully i did not spend more than i made.
Debt:
Mortgage - $165k
Auto - $17k
0% CC (till Sep 2015) - $3k
Current Asset/Investment -
Traditional IRA X 2 - $24.5k (100% stocks) (started both last year contributed max 2013 & 2014)
529 - $1,200 (started this year, planing to do 4k by EOY, currently on 100/week plan)
HSA - $2,050 (Vanguard ETF) (started this year, planning to do max 6.55 by EOY)
Cash Saving - $17k
House (living) - $235k (not sure if count as asset since it has mortgage)
Auto - $6k (this one is paid off couple years ago)
~
Off Shore CD Ladder (not in $) - $75k (at lowest currency exchange rate) - Generates $750+ / month and gets reinvested
Off Shore Condo - $115k (paid) - Generates $260 rent / month
2014 plan is to -
5500 X 2 - IRA (Done)
6550 - HSA (In Progress)
4000 - 529 (In Progress)
Any suggestions about where can/should i invest more? Both of us have a steady job and have no major out of ordinary expenses. Monthly expenses are under control, $ in savings are sitting idle and would like to put them to work.
Any guidance or suggestions will be appreciated.