Can you offer investment advice? I'm debt-free, about to start earning $2k more per month than I need to survive. Please offer any suggestions for optimal investment method(s).
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There are three things that I prioritized before investing extra in retirement (after taking advantage of the match 401K funds of course).
Emergency funds/large purchase saving, owning my home, and debt elimination.
It sounds like you have the last one taken care of. Next I would build up an emergency fund and then purchase a home.
Purchasing a home is essentially locking in a cheaper flat rate rent long term. Rental rates in my area are around $1500 per month. My mortgage that I started 15 years ago is $1100. For a home like mine, rents are running closer to $4000. My income in the past 15 years has steadily increased but my monthly bill remains the same. This gives me a steadily increasing amount of income to invest. Of course the best time to buy a home in recent memory was around 2009-2010 after the crash.