Deferral is thousand so ameritas dental that means that there’s another seven thousand dollars that you could be putting into your employee salary deferral in your ameritas dental k and then in addition to that your employer’s tripping in another six thousand so once you contribute as .
An employee salary deferral and your employer contributes that same six assuming that your you’ve already reached your employer max then that means that you would then be contributing a total of thousand dollars every year to your workplace
Then in addition to that because you have a side you can set up retirement accounts through your side business so you can open up a k through that side hustle and contribute to a solo k through your side business so you can contribute to both.
Your employer-sponsored k as well as your solo k setup through your side business and then finally you could just old-fashioned pay off all your debt you mentioned that you have two homes two mortgages no one ever went wrong paying off .
Their mortgage so when in doubt when you’re not sure what else to do that’s always an option that you can fall back on and I know that there are people who are gonna argue like yeah but does that really make sense you could do so much more with .
The money or get better returns if you invested it but here’s the thing paying off your mortgage does not mean that you are signing a blood oath to never take out a mortgage again if you pay off your mortgage and then the following week you decide .
That you want to access money for another investment well guess what you can take out a cash out refine you on that paid off.