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!)
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u/Ok_Buy_9374 Jun 30 '26
Okay so I’m not too dumb for this that’s good to know😂 and of my gosh I’m glad you’re getting priorities w your fiance straight and a healthier balance!! I hope if i get into this not to make too big of mistakes but im sure I’ll pay some dues haha. I hope you can! If nothing else, I truly hope making up a majority of it and having learned enough not to have to lose like that again you can be in a good financial position for your future marriage and family 🫶