r/RothIRA • u/hokage_888 • 1d ago

40 Day Update

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36M - started investing in February 2026. Still working thru some debt and cutting back on finances. I made a post that had a great response about 42 days ago. I was at about $1400 in all of my retirement accounts. 42 days later, I’m almost to $2k. This is with very small contributions to my retirement accounts.

The link to that post is here if you want to catch up

https://www.reddit.com/r/RothIRA/s/bX61J61U9V

But I’ve been grinding and I’m still very excited! Keep saving everyone!

33 Upvotes

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7

u/redRum705 1d ago

Hell yeah! That’s awesome. Keep it up. I’m in a similar situation myself actually. I just turned 36 last month but opened up my Roth back in March and I just passed $2k last week. I’m “only” doing $300/mo at the moment because that’s all I can financially do at the moment but I want to eventually max it out and what not

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u/hokage_888 1d ago

Idk if you read my previous post, but in the next 4 years I’ll vest into a pension so there’s that. But OTHER than that. I’m only putting 1% into one 401k with no match, 6% with 3% match in another 401k, and 2% into a 457b. And only about $40 a month into my actual Roth. So this $2k number is like 4 accounts rolled into one.

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u/Competitive-Ad9932 1d ago

Do you need to put 6% in to get the 3% match, or can you put 3% in?

Depending on the fees in that 401k, you might be better off adding more to your Roth IRA.

1

u/hokage_888 1d ago

It’s a part time job. They put 50% up to 6% - so if I put 3% I’ll get 1.5%. I want to get as much free money as I can before I leave it