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@missmama I get what you’re saying in theory, but what does this look like in practice? Presumably, I’d be investing the same thing, just deciding between a tax advantaged account versus not.

@oceanskk Okay, yeah, I'm well above that. I do see though that the taxes would still be lower than regular income on long-term gains regardless. I do need to figure out what makes a dividend "qualified" or not.

@oceanskk How high is “too high”? I’ll look into this!

@goaztecs At least for now, it’s making 5% so I’m good with that until rates go down. But point taken!

@goaztecs I have emergency fund savings for 6 months worth expenses in money market funds & HYSAs. I believe that’s sorta what you’re getting at? Higher upside on investments, but also lower downside…

@bellsmom Right, so the only thing I could come up with was if I was already maxing out my tax-advantaged accounts and had sufficient emergency/short-term goal funds. I'm currently maxing out my employer-match in the Roth 401(k) as well as my Roth IRA and HSA. Right now, I'm trying to determine...

@dmarie725 Interesting. At this point, I’m contributing only to Roth 401(k), Roth IRA, and HSA, none of which (I believe) are taxed in retirement. I imagine that’s almost always better, until I’m maxing those out?

@hjjwosj0 That’s a good point. I don’t need the supplemental income now, but I’d need to start building up now I guess if that’s something I’d want in the future, but still before retirement.

For context, I’ve got a 401(k), Roth IRA, HSA, and emergency/short term goal savings in money market funds, treasuries, and HYSAs. (All of which I regularly contribute to.) No kids, making mortgage payments (no other debt), not particularly wealthy. What I’m trying to figure out is when it...