[Leslie]

I do already contribute 15% of my salary to my 401k.

Single parent, late 30’s if it matters.

My retirement contributions through work can’t be reduced. It’s a state retirement plan. I actually contribute 6% of my salary and they contribute 9% of my salary. I can also contribute to a 403b and I 457 but there is no matching on those. 

Before divorce I was fully funding the HSA and roth but I can’t afford to do both now.

[Bill]

If you haven’t been contributing to an HSA, do that. Everyone is going to need some money for healthcare later in life.

Don’t go crazy though.

If you are keeping this for 40 years, it’s going to double 6ish times. That is 64x your contribution! You don’t really want to end up with a million bucks in an HSA.

[Christopher]

HSA unless you’re in California. If the balance gets too large to practically use, switch to Roth.

[Brian]

Check into the rules of the 457 plan. You can withdraw it earlier than 59.5 if you retire early. From what I’m reading there may be rules where you would forfeit contributions if you don’t stay at the job for a certain amount of time.

As always, fees matter. Keep an eye out for high fee options.

[张扬]

I would use the following investing order:
1. 401k to get all of the match
2. HSA
3. Roth IRA
4. 401k until max
5. Taxable brokerage account

[Author]

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