Please see diagram of plan here with ballpark figures, account balances, and investments: https://i.imgur.com/8y3XGqv.jpeg
This is all outside of 401k stuff
Could this be made more tax efficient? Anything I may be missing?
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I was hoping this would be easy to read. But if it isn't here is an explanation:
Top box is general "Strategy" 70:20:10
Left boxes is me, right is wife. "Ideal" is what would fit the above strategy exactly. -> graphed into the center ring of both pie charts
"Current" is current total balances in accounts regardless of investment. -> graphed into outermost ring of pie charts
"Account, Funds, Plan" is hypothetical future allocation into various funds to match the strategy as closely as possible -> graphed into middle ring of pie charts. For example it assumes my wife's 25k sideline cash goes 7k into Roth and invests it in QQQ + 18k into brokerage invested into VOO.
I did it this way so I can update the blue boxes and see how it messes up the allocations. Then I can go into the grey boxes in the center and fine tune it. For example; I switch jobs and dump 100k into my IRA.
