Quote:
Originally Posted by eastern motors
Am I correct to think 457b > HSA > Roth > 401k/403b(no match) as far as what I should be contributing to?
I think I'll be able to max 457 and HSA in 2019. So anything else should go into a Roth right?
It honestly depends on the investment options in each. If your 401k investment options suck, then I'd fill other buckets first.
#1 - Maximize your matching options no matter what. Even before credit card debt imo.
#2 - Pay off credit card debt.
#3 - HSA (assuming you can invest it and try to avoid spending it on medical needs).
#4 - Maximize pre-tax options, ordering based on investment options. Then do a Roth if you're under the income limits (assuming you are over the limits for traditional).
In terms of an emergency fund, I'd probably make sure you have $5-10k liquid, but I'd much rather you see pay off the student loans and be maximizing your pre-tax windows each year before you build a full on emergency fund (3-6 months of expenses).