I’m 32 ( about to be 33), own a small business and do okay for myself. No 401k unfortunately but I have other accounts like a taxable, Roth and SEP Ira in fidelity. I stick to FSKAX and FTIHX and follow the boglehead method. Should I consider any changes if I can get 5ish % on these treasury notes? For context my goal is optional work by mid to late 40s, so basically the ability to work as little or as much as I want and not feel pressured to pay my bills. Currently have this in fidelity: Taxab
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