Age 49 single
Retire 60
Salary $100,000
I invest 15% into employer 401k plan (6% traditional 401k and 9% Roth 401k)
Employer 401k $575,000\_ (traditional 401k $490,000, Roth 401k $85,000)
Roth IRA $23,500 fully maxed for 2026
Brokerage $6,800 (on hold until emergency fund goes back to $25k)
Emergency fund $10,900
Current 2026 budget is $3,500/month
Home mortgage will be paid off when I turn 60, I currently have $97,000 left on mortgage @ 4%
401k current allocations:
Fidelity 500 index \~ $378k
Fidelity total international \~ 71k
Putnam stable value fund \~ $59k
Fidelity inflation protected bond index \~ $29k
Fidelity small cap index \~ $23k
Fidelity US bond index \~ $18k
Future 401k contributions:
60% 500 index
15% international
10% small caps
10% stable value
5% inflation protection bonds
Current Roth IRA allocation
SCHD \~ $8500
VGT \~ $15000
Current Brokerage
VGT \~ $6800
My social security benefits as of now are:
62\_$2461
67\_$3511
70\_4354
I usually get a 3% raise every year