In r/personalfinance, commenters push back on a fixed 10,000 dollar emergency fund and steer toward a months-of-expenses target, then prioritizing Roth IRA deadlines, workplace plans, and finally a taxable brokerage for longer-term goals.
Emergency Fund/IRA filled, what's next? So I'm 35 and I'm wondering what my next financial steps should be.
have finally gotten my emergency fund up to $10,000 after a couple of rocky years.
But that emergency fund is likely low for today's world. I personally think emergency fund should be a year's worth of expenses.
Emergency fund should be at least 3-6months worth of expenses, so the dollar amount is less important.
If you've covered all tax-advantaged accounts, then the next thing is a taxable brokerage.
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