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.

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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.

5,311 Responses to Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?
  1. sell
    January 21, 2019 | 2:57 am

    The info talked about within the post are a number of the ideal readily available

  2. dog breeds
    January 21, 2019 | 3:33 am

    Of course, what a splendid website and informative posts, I will bookmark your blog.All the Best!

  3. asia trip
    January 21, 2019 | 3:33 am

    Hiya, I am really glad I have found this information. Today bloggers publish only about gossips and web and this is really annoying. A good blog with exciting content, that is what I need. Thanks for keeping this website, I will be visiting it. Do you do newsletters? Can’t find it.

  4. securities
    January 21, 2019 | 3:38 am

    Very good article. I will be going through some of these issues as well..

  5. sports
    January 21, 2019 | 3:47 am

    I was recommended this website by my cousin. I’m not sure whether this post is written by him as no one else know such detailed about my trouble. You are wonderful! Thanks!

  6. farfetch promo code
    January 21, 2019 | 7:31 am

    I will right away grab your rss as I can at to find your email subscription hyperlink or newsletter service. Do you have any? Please allow me realize so that I may subscribe. Thanks.

  7. Top Sales Tools
    January 21, 2019 | 9:36 am

    Thank you for your article.Much thanks again. Awesome.

  8. for additional information
    January 21, 2019 | 11:20 am

    IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžd ought to talk to you here. Which is not some thing I do! I quite like reading a post which will make men and women believe. Also, many thanks permitting me to comment!

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    January 21, 2019 | 4:19 pm

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