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I guess my question is, is there anything I should be doing different and what the next step for investments (putting more money into a savings account doesn’t seem like a good idea)?

It sounds like you're doing great. If you have additional cash available for investment, you can do so in a regular taxable investment account. You'd want to look for the types of investments that don't throw off a lot of current income, such as long-term buy and hold stocks.

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