Current Events > Finance Advice

(+) Yeah! (+)

Put into a 401k as much as your employer matches.
Then pay off your debt, high interest stuff like credit cards.
Then max out a Roth IRA contribution.
Then pay off your debt, lower interest stuff like student loan, car, house down payment, house loan.
Then max out the 401k.
Then put anything extra into a brokerage account. Strategy as follows.

DCA every week into a S&P 500 index like VOO. Don't look at it for 15-20 years. Profit.

That's it.

Individual stocks is a shit show. Do all the research in the world and you're still either lucky or not at the end of the day. Instead, just own a little bit of ALL the winners, and watch the market creep up slowly but surely.

Yes some years the market goes down. But you don't care about that. You care about where it is 10+ years from now.

Time in the market > Timing the market.

Career movement into higher income is more meaningful that nickel and diming yourself or investment strategies, of course. But this is the priority list if you DO have some money to save. Min max your personal finances.

I don't plan to live that long.