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REDDIT

What’s an appropriate amount to invest?

M
Feb 9, 2026 · 02:43

I’m a 24 year old earning about 80K a year, I max out my Roth and HSA, and then contribute about 7% of my income to my 401k with an additional 3% match added by my employer. Based on my calculations I contribute about 22% of my gross income but am not sure if I should still be investing more in my personal brokerage account or not? I own a home as well so my mortgage payments take up a good chunk of my monthly net income (60%), so I feel like I am currently walking a fine line between being able to make payments and having too much invested/locked up. Thoughts and advice are greatly appreciated on what I should be doing!

(NOT ASKING FOR INVESTING ADVICE)