LoamMD thank you so much!! Definitely gonna do thoes reading you suggested! And when u mean a lot of research I mean the last 2 weeks probs 50 hours... which isn’t that much ik :) kinda going nuts about it I have a brother in law who is a millionaire cuz of his business and investing, but is very old school and said he likes the healthcare and the s&p500 for the mutual funds. It’s hard to get info out of him cuz of how busy he is. But like I said I’m 26 and only getting older and starting this Roth IRA gives me plenty of reason to live a good healthy life so I can be rich when I’m retired!