Spent the better part of the day making below changes.

    Opened Vanguard Roth IRA, funded 2026 max: $8600

    • 56% ($4816) VTI (US Stock Market)
    • 44% ($3784) VXUS (Total International Stock)

    Swapped my 401k from Vanguard Target Date 2035 to:

    • 60% FXAIX/FID 500 INDEX
    • 10% FSMAX/FID EXTD MKT IDX
    • 20% FSPSX/FID INTL INDEX
    • 10% MINHX/MFS INTL INTR VAL

    The idea was to try to replicate the VTI/VXUS US/International mix in my 401k with stuff that had decent performance but low cost to me.

    I had too much in bonds and felt it could grow better in the years I have left. When the time comes I can add bonds back for stability. I also have some liquid assets.

    Earnings – made sure I'd max 2026 contributions for:

    • ESPP ($21,500 I think)
    • 401k ($32,500 w/catch up)

    I'll be living on savings a few months but should max out ESPP soon and have a paycheck again.

    I have some money in a HYSA and was going to open a personal brokerage account at Vanguard to put some of it in there. My HYSA is like 3.26% APY so the money just going to waste, growth wise – barely beating inflation.

    Q: My HYSA has enough "rough weather" cash. Would you put the rest in VTI and VXUS, or something else?

    After this I need to look at rolling my past employer 401ks into my current one.

    This is my first pass on this and I definitely waited too long in life to do this. So if you're younger, please start now is my advice to you. I'm hoping to avoid being in a ditch when I retire.

    Don't expect big expenses any time soon; that said my car is older and will croak one day so I need to be able to handle that. I'm renting right now but I got a good price and location so not much incentive to buy, but I'd be open if everything were right.

    54, I have about $145k in the 401k I listed, 100k+ in another, 40k in another. HYSA has $170k. $400k in a stock investment but portfolio is worth $700k if it all vests. $109k year guaranteed but made $138k with performance bonuses and HYSA interest in 2025. Not really sure what age I can retire, hopefully not too old, but pretty worried with social security etc.

    Thoughts?

    Woke up and made financial changes today
    byu/NSASpyVan inpersonalfinance



    Posted by NSASpyVan

    3 Comments

    1. How old are you and how much money is in each account? Annual income? Planned retirement age?

    2. Inner-Circlebid on

      I agree that this is a good move! Just don’t let the ‘optimizing everything’ phase turn into overtrading. If your emergency fund is truly covered, a simple VTI/VXUS split in a taxable brokerage is the usual boring-but-effective move.

      Again, rolling old 401(k)s into your current plan can help keep things clean and easier to manage in the long-run.

    3. Ecstatic-Log-9517 on

      This is the kind of post that should be pinned. Most people talk about getting their finances together, you actually did it in one day. For the HYSA question — VTI/VXUS split makes sense if that money won’t be touched for 5+ years.

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