re: .

Did your wife work prior to staying home at kids? I’m impressed by the figures regardless but it would make more sense of how you got here today.

HSA is would be the primary tax advantaged approach if you have a HDHP. It’s the most tax effective savings vehicle in the entire code.

I wouldn’t buy the beach condo…at least at this stage. You’ll just create unnecessary stress in the short term.

$15K in cash is light for emergency fund…but you could also house that cash in money market funds in a taxable brokerage earning 5% on the short end of the curve.

5.5% on the house is a solid risk free return. I’d likely build a bit of cash in taxable brokerage is a money market and then put some extra towards the mortgage. 5.5% risk free paying down the house is good enough for me in the short-term with a lot of economic uncertainty. The primary drawback is you lose access to that cash which is why I recommend boosting the cash savings first. You could also split your available cash flow and fund half to brokerage and the other half towards the house. Kind of a bond like asset in terms of managing your market risk if you have any concerns there.