I been kind of obsessing about retirement lately, when and if I make it
I would very much appreciate any advice or input anyone is willing to offer. I will try to keep this short to not take too much of you time.
Would like to retire at 50. Modest living expectations. Currently 36 years old. Earn 70-100k per year as a long haul truck driver. I love the job, but it's unhealthy so my hope is to not have to do it forever. It's rewarding to be able to make people's lives better so they don't have to travel far to get stuff they want.
I have Charles Schwab Brokerage: 28,000 invested average 32% return. Mix tech stocks, utilities, ETF. Looking to add a REIT or two for diversity. All dividends are reinvested.
Fidelity ROTH IRA 10k. 13% return high risk mutual fund
Fidelity 401k 7% payday contribution plus 3% employer match
Texas State Pension valued today at 60,000.
Expenses:
600.00 Rent
I own my car. No desire to drive flashy cars. Insurance low. I drive well and don't hit stuff.
17k available credit but I never carry balances on my revolvers. Over 700 credit score.
What I am not sure about mostly is if an early retirement is my goal should I favor my Schwab or my 401k or ROTH IRA? Right now I favor my Schwab heavily because I feel like I have most control over it. I own stocks like Microsoft, utilities like PEG and American Power Company, Intuit. My best performer so far is Mongodb, I bought at $60. Have not sold yet.
Any advice, even just a sentence long is appreciated. Thank you and stay warm!
I would very much appreciate any advice or input anyone is willing to offer. I will try to keep this short to not take too much of you time.
Would like to retire at 50. Modest living expectations. Currently 36 years old. Earn 70-100k per year as a long haul truck driver. I love the job, but it's unhealthy so my hope is to not have to do it forever. It's rewarding to be able to make people's lives better so they don't have to travel far to get stuff they want.
I have Charles Schwab Brokerage: 28,000 invested average 32% return. Mix tech stocks, utilities, ETF. Looking to add a REIT or two for diversity. All dividends are reinvested.
Fidelity ROTH IRA 10k. 13% return high risk mutual fund
Fidelity 401k 7% payday contribution plus 3% employer match
Texas State Pension valued today at 60,000.
Expenses:
600.00 Rent
I own my car. No desire to drive flashy cars. Insurance low. I drive well and don't hit stuff.
17k available credit but I never carry balances on my revolvers. Over 700 credit score.
What I am not sure about mostly is if an early retirement is my goal should I favor my Schwab or my 401k or ROTH IRA? Right now I favor my Schwab heavily because I feel like I have most control over it. I own stocks like Microsoft, utilities like PEG and American Power Company, Intuit. My best performer so far is Mongodb, I bought at $60. Have not sold yet.
Any advice, even just a sentence long is appreciated. Thank you and stay warm!