Brief introduction, I’m 24 living in the United States and would like to think I’m handling everything the best way possible. Figured it doesn’t hurt to ask for advance though and this seems like a good place to do it. My father passed a couple of years ago and left my brothers and I a pretty sizable inheritance.
Currently I have 75k in an individual investment account, 16k in a roth Ira, and 44k in an inherited ira. This is all being held in fidelity and I’m using the Fskax fund for all of it. Along with those investments I have 30k just sitting in savings and am unsure what to do with it. I’m definitely going to use a portion of it to max out my roth for this year but I feel as though I should wait for the market to improve? As for the rest of it should I just put it into my individual investment account? I’m trying to be as smart as I can about this and retire early if possible, just need a little help.
I’m currently working as a waitor so a 401k isn’t an option. Currently living with my parents, own my car outright and have no other debts if anyone was curious about those aspects. Definitely don’t want to be a waitor forever but don’t know what else I’d do at the moment and it’s decent money so it’s easy to stay doing it. I just want to set my future self up for success and retire early if possible. Any help is greatly
appreciated, thank you and have a good day.
Just one point to be aware of: when financial media say the market has ‘improved’, it means it has already gone back up. In the long run (more than five year time frame), my best investments have been the ones where I held my nose and jumped into a ‘bad’ market. It will definitely go up and down in value, especially while everybody is screaming about how bad the market is, but a few years on, things look good.
You have enough money and are young enough to think long term. What does “retire early” look like to you? (Age, location, what you do with your time, whether you will be single or coupled, own a house/land, etc. — have a long term idea and you can start budgeting towards that.) Plans change and stuff happens, so keeping the $30K in a high yield savings account seems like a good “emergency fund.”
You don’t want to be a waiter forever, but the money is good. Are you learning g about how the food/hospitality business works? Do you observe things that could be done more sensibly? There are lots of opportunities to build businesses in hospitality, even if you don’t want to manage or own restaurants. Take your time, enjoy life, and make sure to put a decent chunk of that good money aside each month.
You may want to start with:
[https://www.reddit.com/r/personalfinance/wiki/young_adult/](https://www.reddit.com/r/personalfinance/wiki/young_adult/)
> Along with those investments I have 30k just sitting in savings and am unsure what to do with it.
While you decide, pick a High Yield Savings Account and park the cash there. At today’s interest rates of about 4.4%, that’s $110 a month.
[https://www.doctorofcredit.com/high-interest-savings-to-get/](https://www.doctorofcredit.com/high-interest-savings-to-get/)
(Do check for the bank’s customer experience – and don’t just pick the highest interest rate)
> as though I should wait for the market to improve?
No one can be sure which direction the market will move.
Follow the flowchart.
My generic advice:
https://i.imgur.com/lSoUQr2.png
Here is the flowchart from the r/personalfinance subreddit’s Prime Directive. If you follow that, you will be ahead of almost all of your peers.
Stop by the sidebar to see the Common Topics, which include basic money handling and investing.
You don’t need to talk to anyone or buy some random book to do this. You have all the tools right here.
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