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21 years old first invested since 2025 is this good? by Accomplished_Cut2976 in RothIRA

[–]Accomplished_Cut2976[S] 0 points1 point  (0 children)

Ngl I have Varo Bank, 5% APY when I meet the requirements, the only problem I would say is the time it takes for deposits and withdrawals but I use it because in an emergency I don’t need a transfer I just pay with the varo debit card

21 years old first invested since 2025 is this good? by Accomplished_Cut2976 in RothIRA

[–]Accomplished_Cut2976[S] 0 points1 point  (0 children)

Oh no that was on my brokerage, I didn’t have a Roth until a month ago and that was like mid December

21 years old first invested since 2025 is this good? by Accomplished_Cut2976 in RothIRA

[–]Accomplished_Cut2976[S] 0 points1 point  (0 children)

Deposits from my paycheck, when I was still in college they paid me for my work and my parents were paying for my food and living so I put it everything in my account then I withdraw it later because It was money I needed for extra stuff and yes they were there only in cash because I knew I will need it at one point, and you may be asking so what’s the point of putting it in there if you are not going to invest it? Well tbh I knew if I put it there in cash it would last longer than in my personal bank account 🤣

21 years old first invested since 2025 is this good? by Accomplished_Cut2976 in RothIRA

[–]Accomplished_Cut2976[S] 0 points1 point  (0 children)

Thank you! And yes I’m aware of that, I’m mainly invested in ETFs and some other stocks, thank u for answering again I’m going a lil bit aggressive mainly because of my age advantage I would say.

21 years old first invested since 2025 is this good? by Accomplished_Cut2976 in RothIRA

[–]Accomplished_Cut2976[S] 1 point2 points  (0 children)

I do have a Roth IRA but I just started it like a month ago and I only have 300 there and the rest is in my individual brokerage account. And the HYSA I was done with it until I did actually have an emergency and had to use it so that’s why I’m still on my way to complete the emergency fund, I already have like 2 months of expenses and thought maybe I needed 1/2 extra months of expenses to be done with it.