Hey everyone!
I’m here for some guidance.
I am 38 years old I take home 132k a year after taxes, health insurance etc.
I work 2 jobs and my wife also works
I have 2 employer 401k
1 with a 4% match - I contribute the min for the match every month and currently have my investments in s&p 400,500,600, large cap growth, some international and equity income.
2nd 401k is a target date fund for 2055 set and forget from the railroad, currently I only put in $100 a month . I also will get a pension from this job, 70% at retirement- salary will be 120k by then.
I have a Roth IRA that I contribute $100 a month.
Currently I have Total market,Growth tilt,Small-cap value tilt, and Tech tilt
Brokerage I am just starting. I put 1k in and will contribute $100 a month to vti
My contributions are low due to paying off debt first. This income is very new to me, I just got my second job a few months ago.
Should I diversify better, change things up for better tax efficiency. Hell idk if I am even investing in the right things lol.
I have done some research but I would love your opinions and any help.