One of my goals was to have $50,000 in my retail investing accounts by the end of the year. I'm currently at $45,000. Another goal was to have $150,000 in retirement. We are currently at $146,600. My 401k is almost maxed out for the year but I will likely get market appreciation for the remainder so it is likely that our retirement accounts would reach $150,000 even if we did nothing else this year.
So, going back to my goals, I should top off my retail account to get to $50,000. However, I think I want to instead max out Roth's for Y and myself. We are over the income limit this year but we can backdoor it. We won't have enough to put $11,000 in our Roth's plus another $5000 in the retail accounts. I have another $1000 scheduled for this year for the retail account.
What would you do? I feel like we are behind in our retirement savings.