Flexibility funds: beyond emergency savings
You've got your emergency savings built up. Your short-term goals are on track to be fully funded. Your cash flow easily fits into the 50/20/10 rule. You've paid off your credit cards and other high-interest debt. If you're in that place: congratulations! Also, you're probably wondering: what now? There's a world of investments out there, and if you have access to a 401(k), HSA, and (mega-)backdoor Roths, you could sock away quite a bit in a tax-efficient savings vehicle. But