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# Retirement Planning Analysis and Recommendations

Checking in to see how we can best contribute for retirement. (I realize we are likely behind on retirement due to not getting jobs with plans until later on)

## Current Financial Situation

### Husband (34)
– Income $67,000
– Current Retirement Balance $40,000
– 401k savings 6% with 3% employer contribution
– Fully funding Roth IRA

### Me (28)
– Income $57,000
– Current IRA balance $15,000
– Pension 6.8% me and 6.8% employer (mandatory)
– Fully funding Roth IRA
– 457b $100 per month

## Savings and Investments
– HYSA $45,000 (would cover at least 9 months of expenses)
– Mortgage of $285,000 with 29 years left, 6% interest
– No debt besides mortgage
– Won’t be having kids

## New Opportunity for Retirement Planning

We’ve only recently gone up in income, and now we are in a place where we can boost retirement savings. Let’s say we have $1,000 per month to use for retirement. Any suggestions on how to distribute this between 401k, extra unmatched pension contributions, 457b, or extra to mortgage?

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