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.

285 Responses to Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?
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    April 19, 2018 | 7:21 pm

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  11. Hotel and Resorts
    April 20, 2018 | 1:43 am

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  22. Health and Fitness
    April 20, 2018 | 11:08 am

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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.

285 Responses to Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?
  1. Livescore AsianBookie
    April 19, 2018 | 6:09 pm

    Hello there. I discovered your site by the use of Google while looking for a related subject, your site got here up. It seems to be good. I’ve bookmarked it in my google bookmarks to come back then.

  2. Health and Fitness
    April 19, 2018 | 6:43 pm

    Great site. Plenty of helpful information here. I am sending it to a few pals ans also sharing in delicious. And certainly, thanks in your sweat!

  3. News
    April 19, 2018 | 7:03 pm

    I was studying some of your articles on this website and I conceive this website is rattling informative! Continue putting up.

  4. sewa hiace malang
    April 19, 2018 | 7:19 pm

    Hey there. I discovered your web site by the use of Google even as searching for a similar topic, your website came up. It appears to be great. I have bookmarked it in my google bookmarks to come back then.

  5. Health and Fitness
    April 19, 2018 | 7:21 pm

    Very interesting topic , thankyou for posting . “Everything in the world may be endured except continued prosperity.” by Johann von Goethe.

  6. Poker Ace 99
    April 19, 2018 | 7:34 pm

    Hey there. I discovered your blog by means of Google while looking for a similar subject, your web site came up. It appears good. I’ve bookmarked it in my google bookmarks to come back then.

  7. Poker88
    April 19, 2018 | 7:44 pm

    Awesome write-up. I’m a normal visitor of your blog and appreciate you taking the time to maintain the excellent site. I will be a frequent visitor for a long time.

  8. Health and Fitness
    April 19, 2018 | 7:48 pm

    Wow! This can be one particular of the most useful blogs We’ve ever arrive across on this subject. Basically Fantastic. I’m also a specialist in this topic therefore I can understand your hard work.

  9. Senjata Unik
    April 19, 2018 | 8:18 pm

    Hiya, I’m really glad I’ve found this information. Today bloggers publish just about gossip and web stuff and this is really frustrating. A good website with interesting content, that’s what I need. Thanks for making this web-site, and I will be visiting again. Do you do newsletters by email?

  10. Daftar Poker Online
    April 20, 2018 | 12:11 am

    Hello there. I found your web site by means of Google while looking for a similar subject, your site got here up. It seems great. I’ve bookmarked it in my google bookmarks to visit then.

  11. Hotel and Resorts
    April 20, 2018 | 1:43 am

    Nice read, I just passed this onto a colleague who was doing some research on that. And he actually bought me lunch because I found it for him smile Therefore let me rephrase that: Thanks for lunch!

  12. Home Repair
    April 20, 2018 | 1:44 am

    Great beat ! I wish to apprentice while you amend your website, how can i subscribe for a blog site? The account aided me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear concept

  13. Online Professional Freelancer
    April 20, 2018 | 1:45 am

    Hey There. I found your blog using msn. This is a very well written article. I will be sure to bookmark it and return to read more of your useful info. Thanks for the post. I’ll certainly comeback.

  14. Health and Fitness
    April 20, 2018 | 2:02 am

    You really make it appear really easy with your presentation however I find this topic to be really one thing that I feel I would never understand. It sort of feels too complex and extremely huge for me. I’m taking a look forward to your subsequent publish, I¡¦ll attempt to get the grasp of it!

  15. sultandomino
    April 20, 2018 | 4:17 am

    Hiya, I am really glad I’ve found this information. Today bloggers publish just about gossip and internet stuff and this is actually annoying. A good blog with interesting content, that is what I need. Thanks for making this web-site, and I’ll be visiting again. Do you do newsletters by email?

  16. harga suzuki bali
    April 20, 2018 | 5:27 am

    Awesome post. I am a normal visitor of your blog and appreciate you taking the time to maintain the nice site. I will be a frequent visitor for a really long time.

  17. konveksi murah surabaya
    April 20, 2018 | 5:42 am

    Hey there. I discovered your web site via Google even as searching for a similar topic, your web site came up. It appears good. I’ve bookmarked it in my google bookmarks to come back then.

  18. poker online Indonesia
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  19. internet gratis 2018
    April 20, 2018 | 6:25 am

    Awesome write-up. I am a regular visitor of your web site and appreciate you taking the time to maintain the excellent site. I’ll be a frequent visitor for a really long time.

  20. News
    April 20, 2018 | 7:12 am

    Its great as your other articles : D, thankyou for posting . “Say not, ‘I have found the truth,’ but rather, ‘I have found a truth.'” by Kahlil Gibran.

  21. www.nareja.com
    April 20, 2018 | 10:28 am

    Hiya, I am really glad I’ve found this info. Nowadays bloggers publish just about gossip and net stuff and this is really annoying. A good web site with exciting content, this is what I need. Thanks for making this site, and I’ll be visiting again. Do you do newsletters by email?

  22. Health and Fitness
    April 20, 2018 | 11:08 am

    You are my intake, I possess few web logs and infrequently run out from post :). “Actions lie louder than words.” by Carolyn Wells.

  23. Health and Fitness
    April 20, 2018 | 12:22 pm

    Fantastic beat ! I would like to apprentice while you amend your site, how could i subscribe for a blog site? The account helped me a acceptable deal. I had been a little bit acquainted of this your broadcast offered bright clear concept

  24. Health and Fitness
    April 20, 2018 | 1:17 pm

    Thank you for the sensible critique. Me and my neighbor were just preparing to do some research on this. We got a grab a book from our area library but I think I learned more from this post. I am very glad to see such excellent information being shared freely out there.

  25. Health and Fitness
    April 20, 2018 | 1:21 pm

    I’m still learning from you, while I’m improving myself. I absolutely love reading all that is written on your site.Keep the aarticles coming. I liked it!

  26. Health and Fitness
    April 20, 2018 | 1:53 pm

    I am always looking online for articles that can assist me. Thx!

  27. Health and Fitness
    April 20, 2018 | 6:22 pm

    I have not checked in here for a while as I thought it was getting boring, but the last several posts are good quality so I guess I’ll add you back to my everyday bloglist. You deserve it my friend 🙂

  28. News
    April 20, 2018 | 6:48 pm

    Thank you for sharing excellent informations. Your site is very cool. I am impressed by the details that you have on this website. It reveals how nicely you understand this subject. Bookmarked this website page, will come back for extra articles. You, my pal, ROCK! I found simply the info I already searched all over the place and just couldn’t come across. What a perfect website.

  29. Health and Fitness
    April 20, 2018 | 9:12 pm

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  30. Domino 99
    April 20, 2018 | 9:49 pm

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  31. Health and Fitness
    April 20, 2018 | 10:36 pm

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  32. Link Alternatif PokerPelangi
    April 20, 2018 | 10:57 pm

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  33. Agen Dominobet
    April 20, 2018 | 11:18 pm

    Hiya, I’m really glad I’ve found this information. Today bloggers publish just about gossip and web stuff and this is actually annoying. A good blog with exciting content, this is what I need. Thank you for making this web-site, and I’ll be visiting again. Do you do newsletters by email?

  34. Daftar Imcpoker
    April 20, 2018 | 11:21 pm

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  35. Dominobet
    April 20, 2018 | 11:57 pm

    Hiya, I am really glad I have found this info. Today bloggers publish just about gossip and internet stuff and this is actually frustrating. A good web site with exciting content, this is what I need. Thanks for making this site, and I’ll be visiting again. Do you do newsletters by email?

Leave a Reply


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