No. of Recommendations: 2
I will play devil's advocate.

You seem to have your finances well in hand. Your best return may be to spend a little more and create great memories for your family.

I am also in the caution on 529s camp. They continue to change the rules on these. I used it particularly for my youngest(he was in elementary school when they were developed) but at the time he was in college, my state didn't require a minimum time for the money to be in the account. I pretty much ran his bills straight through the mm option to get the maximum tax benefit.

Taxable brokerage accounts have their own advantages and seem to get shirt shrift in discussions. They have flexibility in terms of use and their own tax and inheritance advantages.
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