we have savings, emergency fund, 529 for the kids... and we both have individual 401K’s and I have a Roth.

Looking to invest some money long term and leaning towards a Broker account where we can dump a nice chunk each month.

But, also want to be able to pull from it without huge penalties if shit popped off and we had to dip into it.

Thoughts? What do you have set up?

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TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*