Seeking retirement advice
Seeking retirement advice I (33M) make about $74k per year and spouse (28F) makes $112k. I currently make an additional $30k per year through a university stipend, but this will end after one more year. So, we will gross around $216k this year. We currently have $62k in HYSAs and $55k in stock ETFs in a taxable brokerage account. For retirement, we have $64k in Roth IRAs...