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I have always been interested in finances and a way to secure whatever my life turns out to be. I’m 26 , a mom, full time college student and wife as well as work my 9-5 office job. I want to start investing into something that grows. Preferably something I’ll be able to pull from if the need ever arises.
Honestly, I don’t even know where to start. My employer doesn’t offer any benefits at this time, and I don’t believe I have ever worked somewhere that does. My annual income comes out to around 49,600 after taxes. Any and all advice is greatly appreciated. I’m new to all of this. Heck my first ever credit card (CapOne Platinum Secured) was opened back in October 2022. Never paid interest and keep it at 20% on statement day. Have a checking and savings account with them.
I’m an open book so if you need any other info feel free to ask!
Thanks in advance!
[deleted]
Open up and max out a Roth IRA. There is a book you can borrow from your local library. The Little Book of Common Sense Investing by John Bogle. This book was written for beginner investors emphasizing investing in broad market ETFs like VTI or VOO for their simplicity. Just set it and forget it even during market corrections until you retire. Broad market ETFs for the win.
Based on what you’ve already read in the wiki, or the referenced books, you may have heard of RothIRAs. These accounts have a fairly low max every year, but offer some flexibility in withdrawing contributions (not earnings) should the need arise. Naturally, in your fiscal planning, you plan to NOT have that need arise because you have your natural savings and emergency fund in other assets (CD ladders, HYSA, i-bond ladders).
Some folks poopoo Roths because they presently cap at $6500/yr. That’s nonsense from people who don’t do math. If you as a 26yo plowed $6500/yr into a Roth and dumped it into something like VTI for just a decade, your ten years of contributions ($65k) would grow to over $1mil at retirement/70yo. Power of time compounding – if you get started young.
You mentioned you are a mom… hard job, that. Plan now for college by looking into 529s – these contributions can make a tremendous impact if the beneficiaries go to school, or as starter fuel for a Roth if there’s leftovers once the kiddos are done with their educational adventures. You can even reassign who the beneficiaries are – a lot of flexibility.
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