I'm 54 and playing catch up
I'm 54 and unfortunately didn't start investing until 2017. I currently have $173k in a Roth 401k thru my work and maxing it out every year(around $30k with "catch up). In addition to that, last year my wife and I each started Roth IRA's with ETF's thru Fidelity and have them both maxed out(currently have $17k each).
I also have a Fidelity TOD account with about $7k.
We're 100% debt free and have $30k in emergency fund and I'd like to be able to retire at 60 (or at least cut back). I feel WAY behind on retirement funds.
I would like advice on where to put additional money into retirement as I continue earning. I'm thinking about buying more ETF's in my TOD account but want to consider other options that might have tax advantages I'm unaware of.
Thanks in advance. 😊