I recently paid off debt, and I'd like to keep paying that $850/month to myself.
I'm mid-40's, planning FIRE in 3 years.
About 1/4 of my networth is in tax-deferred retirement accounts.
I've maxed out 401k and HSA. Due to income limits, I don't qualify for Roth IRA contribution, and I don't want to put that $850/month in my Rollover IRA because the Rollover IRA is funded with pre-tax dollars.
My employer offers the option to contribute to an after-tax 401k, or I could put the $850/month in my taxable account, and every month purchase more VTSAX (this is what I'm considering at the moment).
What would you do?
Edited to Add: the only other debt I have is my mortgage, with an effective interest rate of 2.3%.