HYSA
BondBloxx USD High Yield Bond Sector Rotation ETF
stock NYSE ETF

you don't need a financial advisor, just stick it in a HYSA and then spend a few months doing some research and thinking about what you should do with it. You'll probably come to the conclusion that you should put it in a broad market index fund, but that isn't always the right answer.

Shouldn't be putting all your fiat into a speculative asset. I'd rather leave some in a HYSA or money market just in case you need it. Never want to liquidate when you don't want to.

Why put in bonds. I see most of time they are same of loses value. Isn't better to keep in VT or VTI and move cash needed for few years to a HYSA or CD

Emergency fund and save another 10K-15K for added cushion against taxes into a HYSA. Pay off credit card debts if any. Max out ROTH IRA and HSA if you have it. Then put the remaining into the loans.

Is the incentive just a check? Taxes will eat a large chunk.
Pay off the debt since you’re not doing PSLF. Do you have an emergency fund? If not, stash 20-30k in a HYSA and fund your Roth IRA for this year. Put the rest against your highest rate loans.
You should be able to pay off your loans pretty easily at 250k salary, congrats!

I played around with putting an extra payment each month into a HYSA and periodically using that fund to make random payments but it just seemed like its really not worth it compared to just investing it in an index.
I suppose if you had enough cash to cover the entire principle amount left on your mortgage, you could just put that cash into an HYSA and use it to pay your monthly mortgage, and the earned interest would outpaced the interest on the mortgage. 2.1% mortgage is. a 4% HYSA. I might not have that right though.

I already had a lot of fun with NEOs XBCI. It was great until it wasn’t and sunk like the Titanic. I am currently getting 4% in HYSA account with no risk, but also no growth other than outside capital. I have been watching SCHD and MO. Thanks for sharing your opinion

As for your other savings goals, for cash needs within 5 years, the market is too risky. Treat it like you do your emergency fund. Use a cash equivalent, like the cash core MMF in your taxable brokerage, or HYSA, CDs, etc. Earning above or close to inflation, but not risking your principal.
The 5-10 year horizon you could add some shares in an index fund, and more for 10+ years out goal. But in not a dividend fund. You just want to keep reinvesting any dividends from VTI/VXUS or whatever you choose, and not tilt toward dividend companies (that would be being less diversified). And once you’re employed, you want to benefit from an employer-based retirement account, for the tax benefits and higher contribution limits.

Oh boy. Most of the advise in here is assuming US tax. I hardly ever see advice on Canadian/BC province taxes.
I'm in Oregon and for a cash-equivilent, SGOV saves me on taxes over MM/HYSA. I guess it depends on if the tax burden is on your brother's estate or on you.

The amateur assumptions aren’t even consistent. If it was obvious that the market was just going to be flat for the next 15-20 years, everyone would be jumping ship for bonds/treasuries/HYSA, or whatever else.

Hi, I’m 20 years old and just opened a Roth a few months ago. I’m putting in 1000 a month right now and already have 6-9 months savings in a HYSA.
Currently I have 1000 in fidelity’s FFIJX and 1000 in VOO. (I’ve noticed I’m even as FFIJX is down 15% ish from when I’ve invested and VOO is up 16% ish. Should I be worried?)
I’m planning to max out my Roth this year and whatever else will go into a separate ETF based account prioritizing VOO and SCHD.
I keep seeing videos online and stuff about “retire early” and stuff like that but they all seem like someone trying to sell a course or something.
My goal right now is to have enough money in savings and liquid so that when I graduate college I can move to a major city and have a retirement fund waiting for me in 2065
Any tips or resources would be very welcomed.

Inheritance/estate management inherently comes with a lot of difficult emotions. Don’t unnecessarily add to the stress by overcomplicating things. Make sure it’s somewhere safe like a HYSA or treasury MM and worry about the rest later. I personally don’t even think a CD would be worth the trouble at this point because then you have to determine when you need certain amounts available for all of your estate management needs, which shouldn’t be your focus right now.

Because you can’t get 3% in a HYSA or other more stable faculty

This is me.

I worked since the early 80s and had a few different jobs and always contributed the maximum to the 401Ks. When Roth IRAs became available I contributed the maximum but then was not eligible after that. I converted some 401Ks to IRAs after I left jobs but not all. I had funds everywhere (MXXIX, MFOCX, BRWIX, ATT 401K ...) and kind of lost track and never updated anything since the mid-90s. I tried to keep a spreadsheet of everything but then I stopped doing that so I didn't even know my net worth.
Fast forward to last year (2025), I got laid off so I retired. My plan was to move my most recent employer's 401K to an IRA (Fidelity), convert old 401K to IRA, then move all my other IRAs (Roth and Traditional) to Fidelity so everything could be in one place!
**And I was shocked to see that I had an IRA of 2.9M**, plus I have a HYSA for my living expenses.
So my next plan was then to reallocate that 2.9M for my newly retired situation and that has been a challenge (dealing with uncertainty and risk). **Unfortunately I didn't find this sub until after I had done my reallocation** last September but I did know enough to invest in index funds so my Roth is now 75% FXAIX and 25% FTIHX. My traditional IRA was then divided into a "protection" and a "future" allocation. The Protection is just CDs, cash, etc earning 3.5 to 5%, not great but safe (except from inflation). The Future part is not needed for 10+ years so I have 66% Value Index Fund and 33% Growth Index Fund. **Again, I realize this allocation is not the Bogelhead approach** but have not reallocated, since last September. As CDs mature, and I don't need the money, I plan to allocate to FXAIX to keep it simple.
Note: People always seem to forget that at retirement, everything isn't just moved to cash/bonds/CDs. There is still 10-25 years of investing that needs to be considered.
As they say here "I have won the game", and am appreciative of that.
Good Luck!

I accumulated $450k. I also have $120k in equity in my house. Another $70kish in Apple, SPYI, and BlackRock. They are in a Roth. I used to flip houses and my day job is a power systems engineer. I save $55k last year. I have already saved $40k this year, lost $8.5k trying to trade bitcoin ETF’s 😅 Margins are razor thin in my local housing market. I am saving peoples annual salary. I felt like there was something I could do to make it grow. I have a HYSA that throws off 16-18k before taxes. I try to get financially better each year.

I am really just dipping my toes into investing/stocks, etc and have a lot to learn but I was hoping to get some suggestions as to where I could move some money.
For full context, I’m 34 with approx 120k/yr income with about that much sitting in a HYSA and about 60k in a 401k w/ Schwab that is primarily invested in SWPPX index. I am married, purchased a home 2 years ago, and have a 1 year old daughter.
I was thinking I should open and max out a Roth IRA annually and use that to funnel that into VOO ETF but I wasn’t sure if that would be better than just opening a separate brokerage account to pour into index funds.
Thoughts?

I put all my profits in my Roth IRA, individual brokerage, and HYSA. Those profits aren’t shown in my list. I’m just showing my trading profit

Given that you have >4 years expenses in the HYSA, I think allocating the remaining 20% cash is more a question of risk tolerance than the sabbatical. Personally I’d do 10% bonds, put the remaining 10% in VXUS, and then try to raise VXUS to 30% of the equity portion with future earnings/contributions. But a higher bond % is reasonable too - more important to have that right for you before diversifying into more equities.

As others have said - if you need the money within 5 years, rather put it in a HYSA etc.
Re time in the market - I received a bonus and invested it in Feb. Three days later America attacked Iran and the market plummeted and I had timing regrets. 4 months later and I’m up 8% with the recovery. If I’d waited I may have missed it!

As much as I love a Roth, you will be better off in a 401k/IRA. The tax deductions from contributing will let you sock away more, and at withdrawal you will be in a low bracket.
A 2ok pension plus decent SS may be tight, but you might be OK.
Check your expected SS. Try to earn as much as possible to increase your SS and max IRA/401k. If you still have funds (and havent maxed out), then put excess in a Roth. Except if you dont have a Roth open one and fund it with a dollar to start the 5 year clocks right now
And take a look at your spend. How lean can you go in retirement. As another has said, it's doable, and good on you to realize you need to knuckle down. Good luck
PS if you have a choice between a savings account or a Roth... go ROTH. Inflation is nasty now so HYSA are not likely to help. Plus you can withdraw contributions from your Roth at any time if an emergency arises.