Right now I’m maxing out 401k and HSA, and I am no longer eligible to participate in a Roth IRA due to the income restrictions.

I have an emergency fund that would cover about 6-7 months expenses however ideally I want to use that for a wedding and housing downpayment in 2-3 years.

I am also investing $500 per month into a dividend portfolio and $300 per month into Bitcoin. $250 per month into a taxable brokerage.

Should I take all leftover money and shovel it into my taxable brokerage or dividend portfolio? Being that I have a good emergency fund? Or being that I want to use that in a few years, should I build that emergency fund higher to reflect a real fund?

With the market down so much, I’m super tempted to put every remaining dollar in, and have that emergency fund as worst case backup.

Thoughts?
It's great that you're actively investing and saving for your future. Here are a few thoughts:

1. Emergency Fund: An emergency fund is typically for unexpected expenses or financial hardships, such as job loss or medical emergencies. If you plan to use your emergency money for a wedding and housing downpayment, it would be wise to build a separate emergency fund that can cover 3-6 months of expenses. This fund should be kept in a liquid and safe account, like a high-yield savings account.

2. Investment: Given the market situation, it's understandable that you're tempted to invest more. However, it's essential to maintain a balanced approach. While the market is down, there's potential for great returns in the long run, but keep in mind that it's also risky as the market could continue to drop.

3. Considering the time horizon: If you plan to use the funds for a wedding and down payment in 2-3 years, investing in a taxable brokerage account might be risky because of the short time horizon. In general, the stock market is a good place for long term investments (5+ years). For shorter time horizons, consider less volatile investments or saving accounts.

4. Dividend Portfolio vs Taxable Brokerage: This would largely depend on your risk tolerance and investment objectives. A dividend portfolio usually tends to be less risky than a growth-oriented portfolio but may offer lower returns. On the other hand, a taxable brokerage account gives you more flexibility in terms of the investment options.

5. Bitcoin: It's a high-risk, high-reward investment. It's ok to allocate a small portion of your investment towards Bitcoin or other cryptocurrencies, but it's advisable not to put a significant portion of your investment into such volatile assets.

The best course of action would depend on your individual circumstances, risk tolerance, and financial goals. It's always a good idea to consult with a financial advisor to discuss your specific situation.
### Human
Right now I’m maxing out 401k and HSA, and I am no longer eligible to participate in a Roth IRA due to the income restrictions.

I have an emergency fund that would cover about 6-7 months expenses however ideally I want to use that for a wedding and housing downpayment in 2-3 years.

I am also investing $500 per month into a dividend portfolio and $300 per month into Bitcoin. $250 per month into a taxable brokerage.

Should I take all leftover money and shovel it into my taxable brokerage or dividend portfolio? Being that I have a good emergency fund? Or being that I want to use that in a few years, should I build that emergency fund higher to reflect a real fund?

With the market down so much, I’m super tempted to put every remaining dollar in, and have that emergency fund as worst case backup.

Thoughts?

### Assistant
It's great that you're actively investing and saving for your future. Here are a few thoughts:

1. Emergency Fund: An emergency fund is typically for unexpected expenses or financial hardships, such as job loss or medical emergencies. If you plan to use your emergency money for a wedding and housing downpayment, it would be wise to build a separate emergency fund that can cover 3-6 months of expenses. This fund should be kept in a liquid and safe account, like a high-yield savings account.

2. Investment: Given the market situation, it's understandable that you're tempted to invest more. However, it's essential to maintain a balanced approach. While the market is down, there's potential for great returns in the long run, but keep in mind that it's also risky as the market could continue to drop.

3. Considering the time horizon: If you plan to use the funds for a wedding and down payment in 2-3 years, investing in a taxable brokerage account might be risky because of the short time horizon. In general, the stock market is a good place for long term investments (5+ years). For shorter time horizons, consider less volatile investments or saving accounts.

4. Dividend Portfolio vs Taxable Brokerage: This would largely depend on your risk tolerance and investment objectives. A dividend portfolio usually tends to be less risky than a growth-oriented portfolio but may offer lower returns. On the other hand, a taxable brokerage account gives you more flexibility in terms of the investment options.

5. Bitcoin: It's a high-risk, high-reward investment. It's ok to allocate a small portion of your investment towards Bitcoin or other cryptocurrencies, but it's advisable not to put a significant portion of your investment into such volatile assets.

The best course of action would depend on your individual circumstances, risk tolerance, and financial goals. It's always a good idea to consult with a financial advisor to discuss your specific situation.<eos_token>