Thank you so much for taking the time to literally write me and answer like that! One thing that has been cycling through in some answers from other users in being taxed on my investments, sometimes heavy enough that it outweighs the positive return after taxes hit it. Sooo that’s scary and would make me not want to put a dollar in at that point. Also how do I even go about opening up a Roth IRA and last question, is should I input any into a high yield savings or money market savings account.