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.

6,841 Responses to Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?
  1. onlinejimmyjohnscouponscode
    April 19, 2019 | 8:02 pm

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  2. Angelica
    April 19, 2019 | 8:11 pm

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  3. nanoo.net
    April 19, 2019 | 8:42 pm

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  4. Daniel Dantas
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  5. Shalonda
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    April 19, 2019 | 10:53 pm

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    April 19, 2019 | 11:02 pm

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  9. Jerrell Ky
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  10. Paula
    April 20, 2019 | 1:16 am

    Wow! This can be one particular of the most useful blogs We have ever arrive across on this subject. Actually Great. I am also an expert in this topic so I can understand your hard work.

  11. Francis
    April 20, 2019 | 2:23 am

    Hi there outstanding blog! Does running a blog such
    as this require a lot of work? I have virtually no knowledge of programming but I had been hoping to start my own blog in the near future.
    Anyways, if you have any suggestions or techniques for
    new blog owners please share. I understand
    this is off subject nevertheless I just wanted to ask.

    Thanks a lot!

  12. Carlos Magno Nunes Barcelos
    April 20, 2019 | 2:25 am

    Yes! Finally someone writes about ig.

  13. Mario Celso Lopes
    April 20, 2019 | 2:49 am

    Hi there all, here every one is sharing these kinds of
    know-how, therefore it’s pleasant to read this blog, and I used
    to go to see this website every day.

  14. Griselda
    April 20, 2019 | 3:55 am

    Usually I don at read post on blogs, but I would like to say that this write-up very forced me to try and do so! Your writing style has been amazed me. Thanks, quite nice post.

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  19. Jamey
    April 20, 2019 | 1:03 pm

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  20. Mitzi
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  21. Selene
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  22. Larhonda
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  23. Renato Franchi
    April 20, 2019 | 10:01 pm

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  24. Darlene
    April 21, 2019 | 1:13 am

    You really make it appear really easy along with your presentation but I in finding
    this topic to be really something which I believe I would never understand.

    It sort of feels too complicated and very broad for me. I’m looking ahead
    in your next publish, I will try to get the hold of it!

  25. Tory
    April 21, 2019 | 1:25 am

    At this time it looks like Expression Engine is the preferred blogging
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    you’re using on your blog?

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  28. Phil
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  31. Daniel Valente Dantas
    April 21, 2019 | 7:12 am

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    Any help would be really appreciated!

  32. Cathy
    April 21, 2019 | 7:26 am

    What’s up, just wanted to tell you, I enjoyed
    this article. It was funny. Keep on posting!

  33. Saham Elsa
    April 21, 2019 | 7:26 am

    Portal Berita Saham & Investasi di Indonesia. Kami menghadirkan berita terkini dan terupdate langsung dari sumber yang terpercaya. Selain itu SAHAM.NEWS juga menghadirkan Analisa & Rekomendasi saham harian dari berbagai sumber analis profesional maupun analis independen di Indonesia

  34. Daniel Dantas
    April 21, 2019 | 12:08 pm

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Trackbacks/Pingbacks
  1. passingrass
  2. Bali Raw Chef
  3. دوربین مداربسته
  4. دوربین مداربسته
  5. 먹튀검증사이트
  6. دوربین مدار بسته
  7. کارشناسی فنی لکسوس
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.

6,841 Responses to Where To Put My Excess Money? Roth? 401(K)? Emergency Fund?
  1. onlinejimmyjohnscouponscode
    April 19, 2019 | 8:02 pm

    I value the article.Really thank you! Really Great.

  2. Angelica
    April 19, 2019 | 8:11 pm

    Write more, thats all I have to say. Literally, it seems
    as though you relied on the video to make your point.
    You clearly know what youre talking about, why
    throw away your intelligence on just posting videos to your site when you could be giving us something informative to read?

  3. nanoo.net
    April 19, 2019 | 8:42 pm

    Think about investments that supply fast annuities.

  4. Daniel Dantas
    April 19, 2019 | 9:44 pm

    This is really fascinating, You are an overly professional blogger.
    I’ve joined your rss feed and sit up for seeking
    more of your great post. Additionally, I’ve shared your website
    in my social networks

  5. Shalonda
    April 19, 2019 | 10:39 pm

    Major thanks for the article post.Much thanks again. Awesome.

  6. http://tinyurl.com/y2c443z6
    April 19, 2019 | 10:53 pm

    Amazing things here. I’m very happy to peer your article.

    Thanks so much and I am having a look forward to
    contact you. Will you please drop me a mail?

  7. http://tinyurl.com
    April 19, 2019 | 11:02 pm

    There’s certainly a lot to know about this subject.
    I really like all of the points you’ve made.

  8. tinyurl.com
    April 20, 2019 | 12:15 am

    Hello, just wanted to mention, I enjoyed this post. It was helpful.
    Keep on posting!

  9. Jerrell Ky
    April 20, 2019 | 1:09 am

    Wow, amazingwonderfulawesomeincrediblemarveloussuperbfantastic blog layout! How long have you been blogging for? you makemade blogging look easy. The overall look of your siteweb sitewebsite is greatwonderfulfantasticmagnificentexcellent, let aloneas well as the content!

  10. Paula
    April 20, 2019 | 1:16 am

    Wow! This can be one particular of the most useful blogs We have ever arrive across on this subject. Actually Great. I am also an expert in this topic so I can understand your hard work.

  11. Francis
    April 20, 2019 | 2:23 am

    Hi there outstanding blog! Does running a blog such
    as this require a lot of work? I have virtually no knowledge of programming but I had been hoping to start my own blog in the near future.
    Anyways, if you have any suggestions or techniques for
    new blog owners please share. I understand
    this is off subject nevertheless I just wanted to ask.

    Thanks a lot!

  12. Carlos Magno Nunes Barcelos
    April 20, 2019 | 2:25 am

    Yes! Finally someone writes about ig.

  13. Mario Celso Lopes
    April 20, 2019 | 2:49 am

    Hi there all, here every one is sharing these kinds of
    know-how, therefore it’s pleasant to read this blog, and I used
    to go to see this website every day.

  14. Griselda
    April 20, 2019 | 3:55 am

    Usually I don at read post on blogs, but I would like to say that this write-up very forced me to try and do so! Your writing style has been amazed me. Thanks, quite nice post.

  15. motorized pipe rollers
    April 20, 2019 | 6:33 am

    Nice answers in return of this issue with firm

  16. Jovita
    April 20, 2019 | 6:52 am

    Hi, I would like to subscribe for this website to get newest updates, so where can i do it please assist.

  17. Kira
    April 20, 2019 | 12:42 pm

    This is really interesting, You are a very skilled blogger.

    I’ve joined your feed and look forward to seeking more of your great
    post. Also, I have shared your web site in my social networks!

  18. Fernanda Lara Tórtima
    April 20, 2019 | 12:58 pm

    Hello, I wish for to subscribe for this website to take
    hottest updates, thus where can i do it please help.

  19. Jamey
    April 20, 2019 | 1:03 pm

    I require to earn a little money and I am a really opinionated individual so I seem like writing blog sites would be a great beginning to making some additional money. I am a full time university student as well as I additionally have a $20 hour a week job yet I am still having troubles making ends fulfill. Thanks for any kind of aid!.

  20. Mitzi
    April 20, 2019 | 3:10 pm

    Howdy! I could have sworn I’ve visited your blog before but after looking at many of the posts I realized
    it’s new to me. Regardless, I’m certainly delighted I found it
    and I’ll be book-marking it and checking back frequently!

  21. Selene
    April 20, 2019 | 7:37 pm

    Hi there to every one, the contents existing at this web site are actually remarkable for people experience,
    well, keep up the good work fellows.

  22. Larhonda
    April 20, 2019 | 7:42 pm

    At this time it sounds like BlogEngine is the best blogging platform out there right now.
    (from what I’ve read) Is that what you’re using on your
    blog?

  23. Renato Franchi
    April 20, 2019 | 10:01 pm

    What’s up, I read your new stuff on a regular basis.

    Your humoristic style is witty, keep it up!

  24. Darlene
    April 21, 2019 | 1:13 am

    You really make it appear really easy along with your presentation but I in finding
    this topic to be really something which I believe I would never understand.

    It sort of feels too complicated and very broad for me. I’m looking ahead
    in your next publish, I will try to get the hold of it!

  25. Tory
    April 21, 2019 | 1:25 am

    At this time it looks like Expression Engine is the preferred blogging
    platform out there right now. (from what I’ve read) Is that what
    you’re using on your blog?

  26. Maurine
    April 21, 2019 | 1:56 am

    Fastidious response in return of this query with real arguments and
    describing the whole thing concerning that.

  27. tinyurl.com
    April 21, 2019 | 3:00 am

    Thank you for the auspicious writeup. It in fact was a amusement account it.
    Look advanced to far added agreeable from you!
    By the way, how could we communicate?

  28. Phil
    April 21, 2019 | 3:39 am

    I every time used to study piece of writing in news papers but now as I
    am a user of net so from now I am using net for posts, thanks to web.

  29. Daniel Valente Dantas
    April 21, 2019 | 4:29 am

    Asking questions are in fact fastidious thing if you
    are not understanding something entirely, but this article gives fastidious understanding yet.

  30. http://tinyurl.com
    April 21, 2019 | 4:51 am

    Unquestionably believe that which you said. Your favorite reason appeared to be on the web the simplest thing to
    be aware of. I say to you, I definitely get annoyed while
    people think about worries that they just do not know about.
    You managed to hit the nail upon the top as well as defined out the
    whole thing without having side-effects , people can take a signal.
    Will probably be back to get more. Thanks

  31. Daniel Valente Dantas
    April 21, 2019 | 7:12 am

    Whats up are using WordPress for your site platform?

    I’m new to the blog world but I’m trying to get started and create
    my own. Do you require any html coding expertise to make your own blog?
    Any help would be really appreciated!

  32. Cathy
    April 21, 2019 | 7:26 am

    What’s up, just wanted to tell you, I enjoyed
    this article. It was funny. Keep on posting!

  33. Saham Elsa
    April 21, 2019 | 7:26 am

    Portal Berita Saham & Investasi di Indonesia. Kami menghadirkan berita terkini dan terupdate langsung dari sumber yang terpercaya. Selain itu SAHAM.NEWS juga menghadirkan Analisa & Rekomendasi saham harian dari berbagai sumber analis profesional maupun analis independen di Indonesia

  34. Daniel Dantas
    April 21, 2019 | 12:08 pm

    hello!,I really like your writing so so much! proportion we keep up a correspondence more approximately your post on AOL?

    I need an expert in this area to unravel my problem.
    May be that’s you! Looking forward to peer you.

Trackbacks/Pingbacks
  1. passingrass
  2. Bali Raw Chef
  3. دوربین مداربسته
  4. دوربین مداربسته
  5. 먹튀검증사이트
  6. دوربین مدار بسته
  7. کارشناسی فنی لکسوس
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/