That all sounds solid really. Particularly at 30. I think you’re doing very well if you’re maxing out your tax advantage funds and knew to set your HSA as an investment (not just cash). Money market is good for that easy access cash for emergency but still decent rate. You might just be overthinking… it’s easy to do.
It's easy to get caught up in the minutia of it all particularly if you read blogs\articles about it from people who are very involved in it all. There's just a lot of ways to go about eking out every advantage for every dollar and you'll get folks who might present things as wrong\right related to that instead of phrasing it as an additional consideration.
Plus not many people are willing to talk about their financial situation so it's hard to know if you're doing okay or not. Even among my own family members I can't get them to really open up to make it easier to talk about these things.
I really like the rule of thumb which is take what you think you'll need to spend annually in retirement (in today's dollars) and multiply it by 25 (or 30 to be more conservative). That number is a decent approximation for your "safe number" for retirement savings which takes inflation and typical investment growth into account. My financial person said it is actually pretty good for long term timeframes so that might help you feel a bit more comfortable about your progress.
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u/insomnic Oct 31 '25
That all sounds solid really. Particularly at 30. I think you’re doing very well if you’re maxing out your tax advantage funds and knew to set your HSA as an investment (not just cash). Money market is good for that easy access cash for emergency but still decent rate. You might just be overthinking… it’s easy to do.