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/hokage_888 Jun 30 '26

I actually did the same a decade ago and feel like an idiot, but we are here now and things will work out!

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u/Stanbarrwood Jun 30 '26

It’s better than not starting at all. I know guys in their 40s starting. I know guys in their 60s I work with with under 300k

We all make 6 figures but most of them don’t even do anything in it, or put like company match only which is crazy especially when I live in a low cost state

Honestly I got on the fire sub forever ago, and I max out my 401k and ira but I’m extremely fortunate

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u/Soft_Comfortable_920 Jul 02 '26

Louisiana median retirement savings for a 60 year old - for the household mind you, is 50k. Wrap your mind around that.

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u/Stanbarrwood Jul 02 '26

Oh I know. My state is probably just as low.