kersploosh

I still use Craigslist, but only for items I just want gone. Like, “This thing is free and sitting out on the curb. First one here gets it.” I’ve given up on actually buying or selling there. Too many flaky people who don’t know how to communicate or fail to show up at the agreed time and place.

eBay is my long-standing go-to for buying/selling used things that have actual value. I’ve been screwed twice in 20 years. Both times it was a seller who took my money and never shipped my item. When I sell things, the buyers have always been great.

I avoid Facebook Marketplace, though I hear it’s the popular spot now.

The big advantage of putting your additional contributions into the 401(k) is that it reduces your taxable income. The big disadvantage is that the money is locked away for decades; that cash is no longer available to make big purchases like a car, honeymoon trip, etc. There are some exceptions, but be careful that you don’t get hit with penalties.

Personally, if I were in your situation, I would open a no-fee brokerage account and put you additional retirement money into an index fund that tracks the S&P 500 or NASDAQ. If you need the money before you turn 66 then it will be readily available.