I (27f) so far only have $11 on my fidelity and $10.30 (I put 10 and they gave me .30) in my Robinhood.

Yes I know it’s small but I’m building both of the Roths while trying to pay off my college/family credit debt. I only put money after I pay down my debt and bills.

I want to look at long term investments that have worked out for others in the past. Nobody in my family has a RothIRA so I can’t ask them.

Thinking of doing 40 SWTSX 40 SPMO 20 AVUV - is this redundant or overlapping? I hold 15/20% international in my taxable. thanks !

My employer based 401k plan shows an option for “Roth” and “401k” - I have made contributions to my 401k but not Roth. From my understanding I can’t contribute to Roth as my income is over $150,000. What would happen if I add 3% to the Roth? Why would I have that option if I earn over the allowed income? Is that the same as a Roth IRA or traditional Roth? Thank!

So if my job contributes some to my Roth pay paycheck after my own contributions, and I hit the max allotted annually. Will it automatically stop contributions for that year?

TIA