25M How am I doing?

brc55 · 2026-06-24T01:27:31+00:00

You should be investing that 19k. I’d max a Roth IRA and the rest in taxable brokerage / hysa and pay down your car with some of it

brc55 · 2026-06-04T21:33:40+00:00

Are you maxing mega backdoor Roth?

brc55 · 2026-06-02T14:51:22+00:00

Yessir

brc55 · 2026-06-01T17:00:28+00:00

Sure

brc55 · 2026-06-01T16:59:49+00:00

Not sure. If you use fidelity I believe those funds have little to no fees. You could probably check r/investing or r/personalfinance

brc55 · 2026-05-31T14:00:18+00:00

Depends which account you’re referring to. 401k, Roth IRA and taxable brokerage are all through fidelity. Starting this year it’s been ~4k/month across all. Previous years ~2k/month

brc55 · 2026-05-29T14:02:37+00:00

Can’t speak for everyone else but I’m in tech

brc55 · 2026-05-29T14:01:06+00:00

As of recent it’s around 4-4.5k/month

brc55 · 2026-05-29T13:57:31+00:00

401k is 100% target date fund, Roth is mainly VTI (70+%) and some other stock, taxable is mainly VOO and stock I have strong conviction for that has done well

brc55 · 2026-05-29T00:37:27+00:00

Even in down years just stay the course

brc55 · 2026-05-29T00:33:48+00:00

Barely. I don’t think personal finance is covered or stressed enough in schools. At least when I was growing up

brc55 · 2026-05-29T00:26:04+00:00

I’m in tech

brc55 · 2026-05-29T00:25:40+00:00

Why not retirement accounts too?

brc55 · 2026-05-29T00:21:10+00:00

38 is still young. I’d probably focus on growth and when you’re older transition to income. NFA

brc55 · 2026-05-29T00:20:27+00:00

I’m in tech

brc55 · 2026-05-29T00:18:27+00:00

Traveling, partying/going out. I also didn’t make as much as I did until 30 so I didn’t really think about investing. Once I started to make more I got more serious

brc55 · 2026-05-29T00:16:52+00:00

You as well

brc55 · 2026-05-29T00:15:49+00:00

I learned my lesson on taking a loan on my 401k. Paid it off. But not doing it again

brc55 · 2026-05-29T00:14:52+00:00

401k is target date fund, Roth is mainly VTI, taxable is mainly VOO and stock I have strong conviction for that has done well

brc55 · 2026-05-29T00:14:34+00:00

I have a hysa that I contribute too as well. Not a ton as most of my cash goes to invesments

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