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This should be the first year I max personal contribution limits for 401k, IRA and HSA. Yay. I'm not sure what that breaks down to in % of my take home. My IRA is post tax, my 401k a mix of pre and post tax, and the HSA is pre tax. I hope to invest in land soon, too. I'd like to buy property that gives me the option to build a home or something I can sit on and sell if I decide not to live there. I increasingly hate the idea of (significant) debt, so if I can borrow enough for land and pay it off in less than ten years and then sell my current home to build a house and have no mortgage, that appeals to me. Does anyone buy life insurance as an investment anymore? I know it was a thing for a while, but I never really understood it.