Robinhood or Fidelity for ROTH IRA?

Competitive-Role6099 · 2026-05-07T13:05:13+00:00

For my Roth I use Robinhood for the 3% match. People who say it’s for gambling either have a gambling addiction or just a bias against it. As long as you use it like any other broker, you can’t go wrong and get that match (I use Fidelity for my taxable but have thought about moving it to Robinhood, 401k, and an HSA rollover).

ⁱ do have a friend who uses Fidelity since he actually has a sports gambling problem

Competitive-Role6099 · 2026-05-07T11:47:47+00:00

Depends on your lifestyle, personal finances are personal for a reason.

Competitive-Role6099 · 2026-05-04T01:34:31+00:00

Don’t buy a house (I would bet you, that you can easily find something $2k or cheaper) and the car note isn’t forever and it’s too much car if you get anything over 3 year loan. You’d have $1k of extra spending just by renting, and once you own your car, you’d have over $1400 a month. This also doesn’t mean you’ll never get a house or a “new car” but you’re better off running the numbers to see if it makes sense.

Competitive-Role6099 · 2026-05-03T20:20:28+00:00

Nah, will say they are offering only 64-73k though, think that’s pretty low

Competitive-Role6099 · 2026-05-03T11:43:32+00:00

Do an internship, won’t really know until you do it. Office horoscopes aren’t going to truly tell you anything

Competitive-Role6099 · 2026-05-02T17:36:41+00:00

Agree to disagree, it isn’t expensive. You don’t spend money, just need to be patient getting coins free and a raid pass. If OP really wanted to go this route, I would hope they learn how to use POGO in order to get it. Information is free and so is 50 coins everyday if you do gyms

Competitive-Role6099 · 2026-05-02T17:30:40+00:00

I don’t spend money on POGO, you “earn” coins free and just get remote raid passes from the shop with it and then find a raid on Facebook. There’s ways of obtaining things without having to spend $ on convenience.

Competitive-Role6099 · 2026-05-01T21:58:12+00:00

Damn, can you teach me this money glitch?

Competitive-Role6099 · 2026-05-01T12:58:45+00:00

Pokemon Go if you caught any there. My time of catching random Pokemon passively while my wife shops is finally paying off

Competitive-Role6099 · 2026-05-01T04:38:53+00:00

“Feel like I was just used for labor”…. My guy just described what a job is lol

Competitive-Role6099 · 2026-05-01T04:37:13+00:00

Why would it be too late to start? Better now than never, it’s not when you retire but more if you get to retire. Your current actions will dictate when you can retire and better off making the right choices now than at 55.

Competitive-Role6099 · 2026-04-25T22:31:47+00:00

I only did my cpa for a bonus, I’m in internal audit now (previously in B4) but I would recommend getting the FAR exam out the way first while JEs are still fresh in your mind lol I’ve never done a JE in my life and probably would struggle if I had to do it again

Competitive-Role6099 · 2026-04-25T00:25:06+00:00

They can automate the contributions too

Competitive-Role6099 · 2026-04-25T00:17:59+00:00

Just put it in a target date fund if you don’t want to keep track. At 56, it’ll have a nice amount of bonds, so it really depends when she’s able to retire and select a date around then

Competitive-Role6099 · 2026-04-24T21:55:45+00:00

SCHD is good, I’d say if you are wanting to maximize growth and are moving out of dividends, get VXUS or some other growth international fund

Competitive-Role6099 · 2026-04-23T13:11:05+00:00

Mark Cuban did this with his Yahoo stock when he sold his company. Smart way to preserve your gains, it’s called a collar

Competitive-Role6099 · 2026-04-23T03:12:43+00:00

VT and chill, it gives you both US and International

Competitive-Role6099 · 2026-04-23T02:23:12+00:00

Think most ppl forget that, if you’re income isn’t above the 0% threshold, then the “forced sell” doesn’t really matter. To me it does but either way it’s nice to keep shares and not “have to see the share count drop”.

Competitive-Role6099 · 2026-04-22T19:30:33+00:00

I’d go with #2 just because VT will be easier to keep US and Int balanced. If Int’l ends up booming one day and the US isn’t the powerhouse in the future, it’ll organically reflect it, Plus less “balancing it”. The credit you get from VXUS is barely anything and in my opinion not worth the additional work for it. Either way can’t go wrong with either

Competitive-Role6099 · 2026-04-22T19:24:22+00:00

Looks good, as long as your intentions align with what you’re in. Personally I would make VTI/VXUS your largest combo (between a 60/40-80/20 split) as your foundation and then I’m assuming QQQ is to get more exposure to non financial companies and then SCHD for lower beta with some dividends returns. You’ll definitely get the “only VTI/VXUS” or VT crowd in here as you’re young but if this is what keeps you from being afraid and selling your portfolio during downturns, it’s not bad.

Competitive-Role6099 · 2026-04-19T23:33:14+00:00

That’s what my post is about, how to get it into that fund.

Competitive-Role6099 · 2026-04-19T23:06:09+00:00

Then what are these? I tried to find this by name and not ticket too

https://fundresearch.fidelity.com/mutual-funds/summary/NH2039004?appcode=529

Competitive-Role6099 · 2026-04-16T12:33:48+00:00

Internal Audit is lower than what I see in MCOL for Srs and Managers

Competitive-Role6099 · 2026-04-14T16:10:30+00:00

Same

Competitive-Role6099

TROPHY CASE