How should I allocate funds?

Investing

Hello everyone, I am 29M currently with an annual salary of 72k which will increase to 280k in 6 months. I will be unemployed for 3-4 months before I change my job and my wife who makes close to 80k can take care of expenses.

I maxed out my Roth IRA for the year and I have 38k in a brokerage account which is a mix of ETF and stocks. I have an emergency fund in a HYSA to cover emergency/expenses for 3 months.

As I continue to save and invest, I would like to hear your thoughts on what's the best way to go ahead for long term saving. I am puzzled if I should contribute more to my 401k or contribute to a 529 plan instead of adding more to my brokerage account (to maximize tax benefits).

I am debt free and I plan on buying a house in the next 5 years (will save for a down payment once I get the higher salary job)

Thank you!

Posted Apr 1, 2026, 8:29 PM UTC

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