I’m 27F and my husband is 28M.
Currently have a fully funded emergency fund of 6 months full living expenses (not including monthly Roth contributions) in a HYSA making 4.1%.
We have another $2k sitting in our bank account, $1k in savings and we always keep $1k in checkings just for peace of mind.
Husband makes ~100k annually.
He gets bi-annual vacation payments, July and December, through his union of about $4,700-$5,000 each which typically goes straight into savings.
We save on average $1,500-$2,000 sometimes more on vacation months, 5 week months, tax months etc.
My question is, should we use all of our extra money monthly to max out or Roth before putting anything additional away?
We opened up a joint taxable brokerage account for the extra money outside of our HYSA and normal baking account.
Is that the right way to go? If so, what should we invest in? Currently have our Roths invested about 80% in VTI and 15% in VXUS and 5% in SCHG but don’t think I’ll contribute any more to SCHG as of now.
Should we open something else to keep our money in or is a taxable brokerage account ok?
Thanks for your time!