Hello!
I am trying to work out our next steps after paying off student loans (should be done sometime around January) and after reading the blog and other case studies I wanted to check and see if I understand things correctly.
In the MMM plan there are there 3 basic categories to save for? Retirement when you are old, financial independence when you are young, and health expenses?
If so, here is my question, after we pay off student loans we will have about $2,500 a month to invest, neither of us have 401ks or any kind of company match, should we put this money into a combination of IRAs and open our own independent 401k/403bs or should we max out the IRAs and save separately for a house perhaps in an investment account? I know you can use money from a Roth as a down payment but is that really advantageous?
Also, I have been maxing out my HSA for the last 5 years and have about 11k there. Should I continue to max this out or start directing this money elsewhere?
Thanks, I am loving this forum for all the advice!!!!