Rob | Everyday Finance
Region: US
Thursday 02 July 2026 19:07:10 GMT
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Bmc0711 :
6-12 months in an emergency fund is wayyyy too conservative imo. 3 months max in a HYSA then start hammering the Roth. Worse case you have 3 months to get your Roth contributions back. Also, your normal spending will reduce in a true emergency.
2026-07-03 03:08:57
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ec :
Soft disagree on step 3 and 4 ordering. The Roth IRA principle can be withdrawn without penalty at any time. So, it can serve as an auxiliary emergency fund in a true emergency like job loss. For this reason, maxing the roth IRA can serve dual purposes while building wealth but this only works cleanly for folks who aren't doing a back door roth.
2026-07-02 19:32:57
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ruben.69.96 :
Does the same strategy apply for 403b and Roth 403bs? Also my employer does a standard contribution regardless of my own contributions (which can be as low as 0%), so there’s no true “match” for me.
2026-07-02 22:17:32
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Shay :
Debt?? Take care of that in which order?
2026-07-03 14:23:49
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Dai Dai :
Disagree... people in this economy can not save 6-12 months of emergency money. Max out your Roth IRA first
2026-07-27 23:26:56
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CampfireLit :
So I can’t max anything…I’m paying student loans and I just don’t have enough leftover. I do have $10,000 in an emergency fund and have been toying with the idea of taking a chunk out of that to max out my Roth IRA this year. It took me 5 years to save $10k so I couldn’t be assured of maxing out the Roth IRA next year or ever again….
2026-07-05 16:48:24
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Chloe 🐯 :
Disagree with maxing 401k. Way more tax advantaged to max HSA first.
2026-07-27 16:03:21
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Chronically ill & paying bills :
After I pay off my car I’m going to split that between my Roth and emergency fund. I have such mixed feelings on which one to do, so I decided I will probably do both 😂
2026-07-04 05:07:12
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