Keep 12 months living expenses in cash/t-bills. Depending on your age, increase to 24 mos if kids etc
If cash remaining -> if mortgage rate >4% pay down mortgage (locking in 4%+ yield). If you want to average 50% towards mortgage 50% VOO (S&P Index fund)
If cash remaining -> if mortgage rate >4% pay down mortgage (locking in 4%+ yield). If you want to average 50% towards mortgage 50% VOO (S&P Index fund)
Deeper post ->https://monetarymusings.substack.com/p/how-to-not-blow-up-wh...