EP125 – Time to reallocate investments?; How people justify $74,000 new vehicles; How much emergency fund?

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Considering some changes to 401k contributions. Currently I max out my contributions in pretax 401k, but considering changing to some contributions in a Roth IRA since my employer has this as an option. currently in 22% tax bracket, but getting close to the 24% bracket. Thoughts?

Am curious, how many of the folks in this group reallocated their investments after the crazy awesome year we had? 

Help me understand something. I just saw an ad for a new GMC Yukon for $74,000. At 0% interest and $10k down, the payment will be roughly $1,066. Tell me how someone that’s not a multi-millionaire and making less than $150,000/yr could possibly justify this insane purchase?

I have some trouble saying no- everyone at work has something to sell-they make things to sell or they have to sell things for the kids fundraisers- how do you handle this?

When you open a fidelity Roth IRA account do you then select the mutual fund for it? Or is there a separate selection of mutual funds for Roth IRAs ?

Just want to gauge things: how much on average do you have in your emergency fund, what type of account do you keep it in and what is it earning?

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