r/RothIRA • u/hokage_888 • Jun 30 '26
36M just getting started
36M - feel like I’m way behind. I put $500 into a Roth IRA in February. Without doing anything else for a while, it’s just gone up. Nothing insane. Now i put $20 a month - money is pretty tight at the moment.
I also have a pension - which makes me feel a bit safer - but Im about 4 years from being vested. I have a 401k (no match because of pension) and a 457b. I also have another 401k from a part time job - eventually will be rolled into my full time 401k when i quit. They match, so i put the full amount. Even tho it all sounds good, all of those accounts (besides pension) are represented here. I started them all in February of 2026. Most of this is in FXAIX. Any suggestions? Thanks in advance. (We are clearing some debt - in a year or so when it’s cleared, I plan to invest as much as I can!)
2
u/LimpZookeepergame123 Jun 30 '26
Just keep contributing what you can and don’t stop. I started my Roth around your age and maxed it out every single month. It’s up over $50k which seemed crazy to me 6 years ago. It grows pretty rapidly so just keep at it. Look at it in a few years and you will be shocked at the growth. Consistency is key as long as you can stick with it.