Ysette, thanks for your response. Interest rate on mortgage is about 3.5%. If bonds are a small part of your portfolio, are you buying mostly vtsax and vtiax in your tax advantaged space or is it a decent chunk of bonds? I understand the tax relief provided by holding conservative investments there but struggling to set a balance of how to do this. Tax loss harvesting is too complicated to me. Lets assume I commit to a 65 (us equity) 25 (international) 10 (bonds) AA. Would it make sense to build 401k and Roth with all bonds for now and then purchase vtsax and vtiax in taxable act (400k now = 260k vtsax and 140k vtiax)? There is a roth 401k option at work to consider utilizing up to the 53k max after the 18,500 is maxed in 401k going forward. I think having the roth 401 nullifies the mega backdoor roth conversion that has been discussed here. So ideally investing about 60k per year by utilizing up to 53k in 401k, roth 401k, roth ira and hsa. The taxable account will be holding the 400k and just let that ride and make adjustments along the way to keep the 65/25/10 AA in place over time. If its possible to invest over 60k a year, funds would go in the taxable. Does that sound like a good strategy?