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@allroads Never thought about this. I honestly didn’t know you could invest $$$ sitting in your HSA. I contribute $1300 a year into the HSA but that is primarily to pay for a $3,000 surgery I had done since the HSA isn’t taxed

My wife and I are 30 YO. We both recently got new jobs. We have not been making this kind of money in the past (we lived on my $63,000 income for a couple years). I make $116k and she makes $97k and live in a MCOL area. We owe $415k on our home (payment is $2792) worth about $460k. We have a...