[Scott]

You know you messed up by not investing sooner in life… at 37 with a 600K net worth.

[Maribeth]

My advice would be to max out your Roths, you should each have a Roth. Get as much in there as possible.

I would do very simple ETF portfolios, don’t fall for yield traps etc. just VOO or equivalent.

Your yearly expenses are low enough that one or both of you could take on a part-time job, something you enjoy perhaps, which would make your math work a lot better until you’re 59.

[Shaun]

My opinions in no particular order:
1. yes max out the HSA

2. Given the early retire goal and low annual expenses – I would max your traditional IRAs and 401k instead of ROTH (again only my opinion if you are keeping a low taxable income post retirement).

3. Get your 125k invested in a total market fund (unless you feel like timing the market and DCA in).

4. Rough math says you should be able to put at least another 60k per year into a brokerage account (the account you will be spending from pre 59.5).

This should be invested in a total market ETF along with the 125k above.

Given historical average returns, you should have no problem retiring in 8 years on that budget.

The only issue would be healthcare, but with a post-tax brokerage account, you should be able to get subsidized ACA nearly free (unless it changes).

[Author]

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