Do you contribute to ROTH? Do you contribute past match for 401k?

3 Replies

I currently deposit 12% of my paycheck into my employer 401(k) and they put 50% up to a max of 6%. I also put $500 a month into a mutual fund (currently at 4k). When it reaches 5k I planned to put it in a ROTH, however, since I'm not planning on getting into real estate investing I'm really rethinking my contributions. Would it be wise to drop down to 6% 401(k) and 0 into my mutual/roth in order to save up for real estate earlier? I realize my taxes will be a bit more due to this, trying to see if the benefits outweigh the costs?

Thanks