Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?

It’s taken almost a year, but now every stray dollar that is associated to my name is now in my possession. This thanksgiving I picked up a few bonds and stock certificates that I ‘owned’ but didn’t have in my possession. Now, the question is where to allocate this ‘found’ money?

401(k), Roth IRA, Emergency Fund, Brokerage Account? There are so many options and all are viable vehicles that could use an influx of cash.

This decision comes down to priorities. Next year I may be able to max out my 401(k) and get my bitchin’ employer match, but if I do this, it’s likely I will not be able to fully fund the Roth. At the same time, my emergency fund is only around $3.7K. I never set a specific goal, but $10K sounds appropriate so I will need a boost to get there within the next year.

When you have excess money, what is it you do?

I think I will be looking at cashing in the bonds to boost my emergency fund. I may have to run the numbers to make sure this is wise though. 2010 is quickly approaching and I have yet to calculate my expected costs. Until that is done, I can only make some assumptions as to what is best.

Of course, my colleagues in the Personal Finance world will be happy that I have finally come around on an emergency fund after so boldly claiming that I didn’t need one several months ago.

Lastly, December looks to be an exciting month as it is a three paycheck month at my day job. It looks like that emergency fund will be getting at least one boost this month.

8,207 Responses to Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?
  1. generic viagra
    June 15, 2019 | 4:38 am

    is viagra cheaper at walmart http://viagrabs.com/ viagra.
    uso continuo de sildenafil.

  2. ebook
    June 15, 2019 | 5:51 am

    Thanks for this amazing Post admin, I like your website.

  3. Venita Dumond
    June 15, 2019 | 9:57 am

    HiHello my family memberloved onefriend! I want towish to say that this articlepost is awesomeamazing, greatnice written and come withinclude almostapproximately all importantsignificantvital infos. I’dI would like to peerto seeto look moreextra posts like this .

  4. apk full download for pc windows
    June 15, 2019 | 12:04 pm

    I think this is a real great article post.Really looking forward to read more. Really Great.

  5. Simone Lampinen
    June 15, 2019 | 2:39 pm

    I’veI have been exploring for a little bita littlea bit for any high-qualityhigh quality articles or blogweblog posts in thison this kind ofsort of spaceareahouse . Exploring in Yahoo I at lasteventuallyfinallyultimately stumbled upon this siteweb sitewebsite. ReadingStudying this infoinformation So i’mi am satisfiedgladhappy to expressshowexhibitconvey that I haveI’ve a veryan incredibly just rightgoodexcellent uncanny feeling I found outcame upondiscovered exactlyjust what I needed. I so muchsuch a lotmost without a doubtno doubtundoubtedlysurelycertainlyfor suredefinitelyunquestionablyindisputablyindubitably will make certainsure to don?tdo not put out of your mindforgetfail to rememberoverlookdisregardomit this siteweb sitewebsite and giveand provides it a looka glance on a constanta continuinga relentless basisregularly.

Trackbacks/Pingbacks
  1. outlook sign in
  2. 약판매사이트
Leave a Reply


Wanting to leave an <em>phasis on your comment?

Trackback URL http://mynextbuck.com/where-to-put-my-excess-money-roth-401k-emergency-fund/trackback/

Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?

It’s taken almost a year, but now every stray dollar that is associated to my name is now in my possession. This thanksgiving I picked up a few bonds and stock certificates that I ‘owned’ but didn’t have in my possession. Now, the question is where to allocate this ‘found’ money?

401(k), Roth IRA, Emergency Fund, Brokerage Account? There are so many options and all are viable vehicles that could use an influx of cash.

This decision comes down to priorities. Next year I may be able to max out my 401(k) and get my bitchin’ employer match, but if I do this, it’s likely I will not be able to fully fund the Roth. At the same time, my emergency fund is only around $3.7K. I never set a specific goal, but $10K sounds appropriate so I will need a boost to get there within the next year.

When you have excess money, what is it you do?

I think I will be looking at cashing in the bonds to boost my emergency fund. I may have to run the numbers to make sure this is wise though. 2010 is quickly approaching and I have yet to calculate my expected costs. Until that is done, I can only make some assumptions as to what is best.

Of course, my colleagues in the Personal Finance world will be happy that I have finally come around on an emergency fund after so boldly claiming that I didn’t need one several months ago.

Lastly, December looks to be an exciting month as it is a three paycheck month at my day job. It looks like that emergency fund will be getting at least one boost this month.

8,207 Responses to Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?
  1. generic viagra
    June 15, 2019 | 4:38 am

    is viagra cheaper at walmart http://viagrabs.com/ viagra.
    uso continuo de sildenafil.

  2. ebook
    June 15, 2019 | 5:51 am

    Thanks for this amazing Post admin, I like your website.

  3. Venita Dumond
    June 15, 2019 | 9:57 am

    HiHello my family memberloved onefriend! I want towish to say that this articlepost is awesomeamazing, greatnice written and come withinclude almostapproximately all importantsignificantvital infos. I’dI would like to peerto seeto look moreextra posts like this .

  4. apk full download for pc windows
    June 15, 2019 | 12:04 pm

    I think this is a real great article post.Really looking forward to read more. Really Great.

  5. Simone Lampinen
    June 15, 2019 | 2:39 pm

    I’veI have been exploring for a little bita littlea bit for any high-qualityhigh quality articles or blogweblog posts in thison this kind ofsort of spaceareahouse . Exploring in Yahoo I at lasteventuallyfinallyultimately stumbled upon this siteweb sitewebsite. ReadingStudying this infoinformation So i’mi am satisfiedgladhappy to expressshowexhibitconvey that I haveI’ve a veryan incredibly just rightgoodexcellent uncanny feeling I found outcame upondiscovered exactlyjust what I needed. I so muchsuch a lotmost without a doubtno doubtundoubtedlysurelycertainlyfor suredefinitelyunquestionablyindisputablyindubitably will make certainsure to don?tdo not put out of your mindforgetfail to rememberoverlookdisregardomit this siteweb sitewebsite and giveand provides it a looka glance on a constanta continuinga relentless basisregularly.

Trackbacks/Pingbacks
  1. outlook sign in
  2. 약판매사이트
Leave a Reply


Wanting to leave an <em>phasis on your comment?

Trackback URL http://mynextbuck.com/where-to-put-my-excess-money-roth-401k-emergency-fund/trackback/