Step 4. Basically, once you have your e-fund set, higher interest debts paid, etc, you then decide how you want to invest for retirement.
Most people go for the 401k + IRA + brokerage account option and plan to use strategies like a Roth conversion ladder, but once you clear the basics, the world is your oyster for whatever passive income strategies you want to try (e.g. real estate, hard money lending, etc).
Step 4. Basically, once you have your e-fund set, higher interest debts paid, etc, you then decide how you want to invest for retirement.
Most people go for the 401k + IRA + brokerage account option and plan to use strategies like a Roth conversion ladder, but once you clear the basics, the world is your oyster for whatever passive income strategies you want to try (e.g. real estate, hard money lending, etc).