Sorry for the terrible subject line.
So here's our current sitch:
My Roth IRA: 9300
Betterment, 84/16 allocation, 458 (max) each month
Husband Roth IRA: 8000
Vanguard: entirely VFINX, 458 (max) each month
Taxable investment account: 800
Betterment, 90/10 allocation, 100 each month
Taxable investment account for our 2 year old, earmarked "education": 500
Betterment: 80/20 allocation, 40 each month
We keep a 10,000 emergency fund in a capital one 360 savings account. We keep "save to spend" money, rotating around 3000, in another capital one 360 savings account. Currently we have a 1400 monthly surplus. We want to buy a house, someday, eventually, but may need upwards of 60K before we can do that. Where should we put our 1400? Currently I'm planning to put it into yet another capital one 360 savings account. I'm sure you intelligent people can think of something better. Splitting it up? Also, I'm 27 and husband is 30. Do we need to tweak our existing accounts? We have no 401k, so this is the entirety of our retirement plan right now!
Update**. I've thought a lot more about how to keep the 1400/mo. I'm thinking now we might split it up between I-bonds (a new find, never used before...), a 1% smarty pig account, and a taxable investment account set aggressively (maybe 80/20, or even 100%). This is based on our timeframe for buying being more realistically like 3-7 years.
How would you allocate our 1400 between these options?