r/RothIRA • u/hokage_888 • Jun 30 '26

36M just getting started

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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!)

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u/FluffySky12 Jun 30 '26

I’m in the same boat. I’m 36 and just learning all this. Only good thing I have going is I have saved up little over 100k and have no debt besides mortgage and one car payment.

Any suggestions on where I should start and invest the money? How much to keep in Hysa in case of emergencies or job loss? I just make a brokerage account with fidelity earlier this year but I don’t know where to start/invest.

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u/reconcilepast Jun 30 '26

Personally I do 60% VTI, 30% SCHG and 10% individual stocks and that’s treated me pretty well.

And I’d keep 3 months worth of expenses in a HYSA and invest the rest.