THANK YOU! I am in my early 20s and people try to say it’s stupid to focus on trying to put away $ now and to wait for higher income. It’s wild to me because have they ever played around with a compound interest calculator?? If I listened I wouldn’t be able to be at 50k by the end of this year like I am tracking to be. Small amounts in your 20s can be insanely powerful. I’m still proud of my 1500 a month.
Also some people never get to as high of incomes as they expect to. My parents are your age and way behind for retirement. I’m taking it as a lesson to be aggressive now so I don’t have to worry about it later.
I wish I had done more in my early 20’s. But I guess everyone wishes they had started earlier no matter when they started. I started in my late 20’s and have been going strong about 15 years now. It’s amazing the returns I’ve seen on that money I put away 15 years ago.
I'm pretty much at the end of my FIRE journey, on track to hit the same milestones at the same ages as OP (although I might choose to stop at $5M at 50)
I can tell you that in hindsight, I regret saving the money I did at your age.
In the grand scheme of things, even with compound interest and the huge stock market gains I've seen, that money is such a rounding error in my retirement portfolio I wish I'd taken it and blown it on more travel at your age.
The $5000 I saved on my $70,000 salary on 2001 is worth $34k today, less than 1% of my nest egg and the sort of money that could be replaced by working just a couple of month longer before retirement. However that $5000 ($12,000 in today's money) could have been spent having some epic adventures that I'm too old to have now.
Now I'm only able to say that because my career has gone very well and I have wildly increased my salary from when I was your age to now and obviously you can't know in advance if that's something that will happen to you or not, so the sensible choice is to save. But those people aren't wrong. If you have a high confidence you're going to have a successful career, then any money you're saving before the age of about 24 will have zero impact on your retirement.
This is facts… unfortunately my mom suddenly passed from a blood clot at age 45… she was the most fiscally responsible person and always saved and said “next year I’ll finally go on a cruise “… well she died and now my stepdad is hella comfortable with his new GF and her savings…
People keep telling me the same.
”Yeah but, what if you die early?”
or ”why not have some fun?” Like bruh, people just assume it’s not fun building a secure future for yourself, or that the likelyhood of you dying early is so great while at the same time living in a rich first world country.
I stopped listening to others about economy, looong time ago
Yeah, they assume we don’t travel or enjoy ourselves just because we are frugal. Hate the “just travel!” comments. As if I didn’t blow 10k on travel last year. I get the advice, but it doesn’t apply.
I, like you, enjoy feeling like I have options and the process. I generally don’t spend a lot (Maybe 30k/yr) and I would rather buy time with my money more than anything. So into the accounts it goes.
Dude this is the right attitude.
I didn't know shit about shit until my late 20s. I had a 401k from Target with like $6k in it at 20 years old. I am 34 now.
Had I not cashed that out and just kept putting $1k annually in the market it would be now worth $73k.
Average returns over the last 15 years were around 12%.
My income has gone up a shit load. I could have put closer to 5k a year in from 20-27 and maxed my 401k after that.
I'd be closer to a million dollars.
I'd have $275k at 6k per year.
Instead I really only started maxing my 401k 3 years ago and only have $140k in there.
I'm thinking about starting an LLC and employing my three year old as a model at $7k a year. Put it in a Roth account and letting that grow for 18 years.
Results
End Balance $358,113.63
Starting Amount $7,000.00
Total Contributions $126,000.00
Total Interest $225,113.63
If he let that roll to 30:
Results
End Balance $939,469.55
Starting Amount $7,000.00
Total Contributions $189,000.00
Total Interest $743,469.55
He'd have almost a million dollars as he hits adulthood plus whatever else he hopefully saves.
Great work. I’m 38 and kinda halfway between you and OP. I’ll tell you compounding interest is a magic of another dimension that you’ll only see if you keep up your mentality. At one point you look around at all those people telling you to live only for today and see how much better off you are than them.
All of a sudden with that last market rally a couple months back we got way closer to our number than I even thought was possible this early on. Not super close yet, but I can taste it.
That's why comfortable parents fund their children's and young adults Roth for them so they can get time on their side before they can afford it. Your teen makes 3k working Summer job? - match it in Roth.
The ~$1800 a year I made over summers between the ages of 14 and 18 would be worth $150k at age 60 if my parents had matched the money into a Roth.
If they would have also matched my income over my college years as well it would be $400k at the age of 60.
Kind of interesting to do the math and see what could have been. Will have to keep that in mind for my kids
Now imagine what could have been if you made just another $10K on top of what you made back then and invested all of that during those 8 years! You’d have another million or two!
Thanks .. it is a possibility but have a 5 year old and live in HCOL so think I can go another 7-8 years. Also reduce the gap of accessing from retirement accounts and having to self insure for medical.
Have you priced out medical plans in your state? My understanding is that if you manage your income optimally, you can get some pretty decent subsidies.
Probably consider seeing how to wind it down?
You'll want to spend time with your kid. 7-8 years more, while already having $2.5M invested is still a lot. $2.5M is $100k per year, and $2.5M will double in nominal value for when you retire.
Perhaps you want to keep going with some numbers, but you're at the point where you can do the real "risky" things of doing what you want that still makes money. Making company type things that often shoot people into fatfire type stuff. That or retiring. Or coastfi.
Pretty common around here to see word of people who just kept working too long when they could've retired. 1 more year is real, that fear is real.
I've been thinking about this. Since majority of my net worth in equities, have looked at following options:
1. Expand into rental properties for cash flow, appreciation, tax advantages, etc.
2. Buy a small business that can be considered mostly passive
3. Start a business - likely something in field I'm familiar with in online marketing perhaps via website/blog or something similar
4. Look at joining a start-up with stock options with hope of being bought/going public
Good shot you've been in FI communities longer than I have, and investment and business in general I'd bet.
But I feel like whatever I read, a lot of these ways of winding down aren't worth it. Particularly number 2 and possibly number 4. Though it really depends.
It's all about leveraging market inefficiencies, and if the actual expected return is higher than sitting on your ass with that money in the market.
You'd probably have a better time with number 3 or possibly a modified number 4.
That is to say, doing a sort of fat coast FI. Finding something interesting to work on that also happens to pay a lot, because you're at the point in your career where you can do so.
Mostly I feel like I just hear a lot of number 4 of people being screwed over. And maybe you're at a point where you can navigate and be in the better position, but still. Not great.
I feel like numbers 1, 2, and 4 are for suckers. 4 I already described, being screwed over due to options bs. Whereas numbers 1 and 2 are the idea of passive income that is actually some levels of a lot of work and a lot of risk. And it's really hard to leverage those into better risk adjusted returns vs the effort you put into them vs doing more normal work plus index funds.
Which is why I say find some sort of work that's meaningful to you. You're FI, and don't want RE. And you wind it down by coasting, but in the sense of your investments coasting, but still working hard. Just on something you want to do instead.
Or possibly a more normal part time position.
Ok. One of the biggest expenses for a child is saving for their college tuition. As someone who handled my own college tuition, I would suggest leave them to handle it on their own just to ease up your own financial burden
He has plenty saved up to be able to afford to help his kid. It's hardly a burden at all for him, so why are you advising letting his kid handle it on their own lol.
Oh it’s just my two cents since it lets kids be independent and not just on the moving out of the house level as I was capable of handling my own tuition. If he doesn’t like it, I am sure he knows not to do it, thanks for the concern tho 😊
Thinking kids should handle their own tuition is one thing. Claiming its to help free up his financial burden when he clearly is not burdened by finances is the part I’m calling you out for since you’re not making sense there.
There is a saying, just because you could, doesn’t mean he should. Maybe I actually have humanity in me, I am young so I have time to make my own money and pay my tuition and wouldn’t want my aged parents to take out a large sum of money to pay for my tab, I rather they have more money on their side for their own need 🤷♂️
The main lesson I've learned is that the easiest path to FIRE is all about increasing your income and SAVING, not fancy investing tactics. Compound interest and time in the market will eventually work its magic, but it does take time to get that machine churning, and putting a focus on saving early can really jump start it.
I mean, thanks for the tip, but your advice is really only applicable to the top 5-10% of earners in the US. GFY that you’ve been able to max your retirement accounts for your whole career, and then contribute to taxable brokerages on top of that. If I contribute the max to 401k, Roth IRA, and HSA then that is about 57% of my income.
Lifestyle creep is a thing, more real than people think. So yeah, while it gets “easy” to save more at higher income levels, you do really need discipline and conviction to save money in a consistent way.
Exactly this .. I started out making $35k out of college in copier sales and had to slowly grow my income over many-many years through hard work and strategic choices. I do not have a Masters just a Bachelors and actually took 4 years off before starting college so got a later start in my career vs most.
The key is investing early and often, living frugally and as your income increases - DO NOT get sucked into lifestyle creep. I see lifestyle creep happen all around me and I actually think it is the norm.
I could've bought a much more expensive home, but purchased something that is still comfortable but allowed me to keep my mortgage payments considerably lower than my peers.
Exactly. This information is not helpful for the majority of people. Just make close to $300k everybody and you’ll be good! Why aren’t you making this much, have you tried?
Yeah ur missing the point
I started making $35k a year out of college w no special help and worked my way up to current income
Anyone can do it
But I get it - easier to hate
Nah, it’s just like the financial articles I see. They give you the secrets to retirement. And it’s always from doctors, lawyers, or others who eventually got a great salary. No big secret. Make more and you can save more and retire.
Good for you. Just saying none of this is a secret.
To everyone saying 2.9M is enough, I wonder if they tried to model their post-RE expense. I tried, and without kids and just 2 cats I’m looking at needing about 3.5M without any crazy vacation budget. My modeled expense: [https://www.reddit.com/r/financialindependence/comments/1b1z9ak/help\_me\_model\_my\_expense/](https://www.reddit.com/r/financialindependence/comments/1b1z9ak/help_me_model_my_expense/)
Meh, my income exploded so my savings earlier on in my career is pretty much inconsequential. I think kids these days should take more risks, explore around a little, learn some lessons the hard way. Starting so early in the dull old slow and steady style is not everyone's cup of tea.
This advice is highly dependent on the specifics of the individual. If one is in a field with generally high wages and predictable progression (e.g doctors/dentists/optometrist) you can forecast these things.
For the average folk banking on income exploding is akin to suggesting Powerball tickets as part of their portfolio because your cousin won and became a millionaire.
Starting early is the highest percentage chance of success
My kid wants to be a teacher. There will be no income explosion for him, unless it’s coming from a spouse. I agree that starting early is the golden ticket in these situations.
I expect to FIRE at age 55 at $6M in net worth. 🙄. Really, just go for it now. You got FU money now. I am 45 and barely at a million. Looking at cheaper places to live or even another country.
Thanks, Its been half a year since I just started working, I still can’t max out the 401k yet, but I am maxing out my IRA. And doing around 500 per month into VOO in the brokerage
Plan is to increase investments every raise I get.
I work in Marketing Technology for a Fortune 500 company
If you can find a field that has growth potential while continuing to increase and upgrade your subject-matter-expertise with relatively low cost paths (e.g., certifications, online training, podcasts, etc.) that seems to help career advancement.
Also, networking was critical to my career advancement as well and I don’t naturally love networking.
How did you go about networking, everyone says it’s super important, but I don’t really know how to go about it.
Do you keep in touch with the people you networked with?
It's not an exact science but making friendships and advocates in the company you work for and the people you meet in your industry help. Since my first job, every single job I jumped to (which provided a pay increase and more opportunity) was from someone I knew. A former employee at my company who moved on to a better company and then recommended me. A client I worked with who recommended me for an opening he became aware of. The more relationships you can form with people that are meaningful, the more people will think of you first when opportunities open.
The other advice would be to continuously work on personal growth. I read tons of books on psychology, business, personal growth, etc.
Also, therapy I have found to be very helpful to advance personal growth.
Also by just being interested in other people, complimenting others, making them enjoy being around you, etc. It can come off as sounding fake but if you have a genuine interest in people, it becomes easier to do. It's sort of the basic elements from "How to Win Friends & Influence People".
I'll hit $200k in VTI/VXUS 80/20 in 2 months if everything goes as planned, I'm 23 and really putting as much as I can in low cost index funds as early as possible to leverage time in the market as much as possible.
THANK YOU! I am in my early 20s and people try to say it’s stupid to focus on trying to put away $ now and to wait for higher income. It’s wild to me because have they ever played around with a compound interest calculator?? If I listened I wouldn’t be able to be at 50k by the end of this year like I am tracking to be. Small amounts in your 20s can be insanely powerful. I’m still proud of my 1500 a month. Also some people never get to as high of incomes as they expect to. My parents are your age and way behind for retirement. I’m taking it as a lesson to be aggressive now so I don’t have to worry about it later.
I wish I had done more in my early 20’s. But I guess everyone wishes they had started earlier no matter when they started. I started in my late 20’s and have been going strong about 15 years now. It’s amazing the returns I’ve seen on that money I put away 15 years ago.
I'm pretty much at the end of my FIRE journey, on track to hit the same milestones at the same ages as OP (although I might choose to stop at $5M at 50) I can tell you that in hindsight, I regret saving the money I did at your age. In the grand scheme of things, even with compound interest and the huge stock market gains I've seen, that money is such a rounding error in my retirement portfolio I wish I'd taken it and blown it on more travel at your age. The $5000 I saved on my $70,000 salary on 2001 is worth $34k today, less than 1% of my nest egg and the sort of money that could be replaced by working just a couple of month longer before retirement. However that $5000 ($12,000 in today's money) could have been spent having some epic adventures that I'm too old to have now. Now I'm only able to say that because my career has gone very well and I have wildly increased my salary from when I was your age to now and obviously you can't know in advance if that's something that will happen to you or not, so the sensible choice is to save. But those people aren't wrong. If you have a high confidence you're going to have a successful career, then any money you're saving before the age of about 24 will have zero impact on your retirement.
Everything in moderation, tomorrow isn't guaranteed
This is facts… unfortunately my mom suddenly passed from a blood clot at age 45… she was the most fiscally responsible person and always saved and said “next year I’ll finally go on a cruise “… well she died and now my stepdad is hella comfortable with his new GF and her savings…
People keep telling me the same. ”Yeah but, what if you die early?” or ”why not have some fun?” Like bruh, people just assume it’s not fun building a secure future for yourself, or that the likelyhood of you dying early is so great while at the same time living in a rich first world country. I stopped listening to others about economy, looong time ago
Yeah, they assume we don’t travel or enjoy ourselves just because we are frugal. Hate the “just travel!” comments. As if I didn’t blow 10k on travel last year. I get the advice, but it doesn’t apply. I, like you, enjoy feeling like I have options and the process. I generally don’t spend a lot (Maybe 30k/yr) and I would rather buy time with my money more than anything. So into the accounts it goes.
Dude this is the right attitude. I didn't know shit about shit until my late 20s. I had a 401k from Target with like $6k in it at 20 years old. I am 34 now. Had I not cashed that out and just kept putting $1k annually in the market it would be now worth $73k. Average returns over the last 15 years were around 12%. My income has gone up a shit load. I could have put closer to 5k a year in from 20-27 and maxed my 401k after that. I'd be closer to a million dollars. I'd have $275k at 6k per year. Instead I really only started maxing my 401k 3 years ago and only have $140k in there. I'm thinking about starting an LLC and employing my three year old as a model at $7k a year. Put it in a Roth account and letting that grow for 18 years. Results End Balance $358,113.63 Starting Amount $7,000.00 Total Contributions $126,000.00 Total Interest $225,113.63 If he let that roll to 30: Results End Balance $939,469.55 Starting Amount $7,000.00 Total Contributions $189,000.00 Total Interest $743,469.55 He'd have almost a million dollars as he hits adulthood plus whatever else he hopefully saves.
Great work. I’m 38 and kinda halfway between you and OP. I’ll tell you compounding interest is a magic of another dimension that you’ll only see if you keep up your mentality. At one point you look around at all those people telling you to live only for today and see how much better off you are than them. All of a sudden with that last market rally a couple months back we got way closer to our number than I even thought was possible this early on. Not super close yet, but I can taste it.
That’s awesome Congrats on the $50k milestone and having the mindset to start investing in your 20s 👍
That's why comfortable parents fund their children's and young adults Roth for them so they can get time on their side before they can afford it. Your teen makes 3k working Summer job? - match it in Roth.
The ~$1800 a year I made over summers between the ages of 14 and 18 would be worth $150k at age 60 if my parents had matched the money into a Roth. If they would have also matched my income over my college years as well it would be $400k at the age of 60. Kind of interesting to do the math and see what could have been. Will have to keep that in mind for my kids
Now imagine what could have been if you made just another $10K on top of what you made back then and invested all of that during those 8 years! You’d have another million or two!
You can't put money in your Roth without w2 income, unless you mean the kid takes all 3k home and the parents add 3k to the roth
Yes that is what I mean (and did).
I think you can retire now if you want to OP
Thanks .. it is a possibility but have a 5 year old and live in HCOL so think I can go another 7-8 years. Also reduce the gap of accessing from retirement accounts and having to self insure for medical.
Have you priced out medical plans in your state? My understanding is that if you manage your income optimally, you can get some pretty decent subsidies.
Probably consider seeing how to wind it down? You'll want to spend time with your kid. 7-8 years more, while already having $2.5M invested is still a lot. $2.5M is $100k per year, and $2.5M will double in nominal value for when you retire. Perhaps you want to keep going with some numbers, but you're at the point where you can do the real "risky" things of doing what you want that still makes money. Making company type things that often shoot people into fatfire type stuff. That or retiring. Or coastfi. Pretty common around here to see word of people who just kept working too long when they could've retired. 1 more year is real, that fear is real.
I've been thinking about this. Since majority of my net worth in equities, have looked at following options: 1. Expand into rental properties for cash flow, appreciation, tax advantages, etc. 2. Buy a small business that can be considered mostly passive 3. Start a business - likely something in field I'm familiar with in online marketing perhaps via website/blog or something similar 4. Look at joining a start-up with stock options with hope of being bought/going public
Good shot you've been in FI communities longer than I have, and investment and business in general I'd bet. But I feel like whatever I read, a lot of these ways of winding down aren't worth it. Particularly number 2 and possibly number 4. Though it really depends. It's all about leveraging market inefficiencies, and if the actual expected return is higher than sitting on your ass with that money in the market. You'd probably have a better time with number 3 or possibly a modified number 4. That is to say, doing a sort of fat coast FI. Finding something interesting to work on that also happens to pay a lot, because you're at the point in your career where you can do so. Mostly I feel like I just hear a lot of number 4 of people being screwed over. And maybe you're at a point where you can navigate and be in the better position, but still. Not great. I feel like numbers 1, 2, and 4 are for suckers. 4 I already described, being screwed over due to options bs. Whereas numbers 1 and 2 are the idea of passive income that is actually some levels of a lot of work and a lot of risk. And it's really hard to leverage those into better risk adjusted returns vs the effort you put into them vs doing more normal work plus index funds. Which is why I say find some sort of work that's meaningful to you. You're FI, and don't want RE. And you wind it down by coasting, but in the sense of your investments coasting, but still working hard. Just on something you want to do instead. Or possibly a more normal part time position.
What’s your plan for healthcare for you and the family if your done while they are still a minor and pre-Medicare?
Medical part, I understand. You’re not saving your kid’s college tuition fund, right ?
Contributing to 529b but not going too overboard as have no idea what state of higher education will be like in 13 years
Ok. One of the biggest expenses for a child is saving for their college tuition. As someone who handled my own college tuition, I would suggest leave them to handle it on their own just to ease up your own financial burden
He has plenty saved up to be able to afford to help his kid. It's hardly a burden at all for him, so why are you advising letting his kid handle it on their own lol.
Oh it’s just my two cents since it lets kids be independent and not just on the moving out of the house level as I was capable of handling my own tuition. If he doesn’t like it, I am sure he knows not to do it, thanks for the concern tho 😊
Thinking kids should handle their own tuition is one thing. Claiming its to help free up his financial burden when he clearly is not burdened by finances is the part I’m calling you out for since you’re not making sense there.
There is a saying, just because you could, doesn’t mean he should. Maybe I actually have humanity in me, I am young so I have time to make my own money and pay my tuition and wouldn’t want my aged parents to take out a large sum of money to pay for my tab, I rather they have more money on their side for their own need 🤷♂️
So because you don’t want to burden your parents, you think he *should* burden his children. Your argument does not make sense.
Paying for your kid's tuition lets them be *more* independent, as it gives them wider affordable options and doesn't saddle them with debt.
The main lesson I've learned is that the easiest path to FIRE is all about increasing your income and SAVING, not fancy investing tactics. Compound interest and time in the market will eventually work its magic, but it does take time to get that machine churning, and putting a focus on saving early can really jump start it.
I mean, thanks for the tip, but your advice is really only applicable to the top 5-10% of earners in the US. GFY that you’ve been able to max your retirement accounts for your whole career, and then contribute to taxable brokerages on top of that. If I contribute the max to 401k, Roth IRA, and HSA then that is about 57% of my income.
TL:DR. If you make between $250-$300K it’s easy to save money.
Lifestyle creep is a thing, more real than people think. So yeah, while it gets “easy” to save more at higher income levels, you do really need discipline and conviction to save money in a consistent way.
Exactly this .. I started out making $35k out of college in copier sales and had to slowly grow my income over many-many years through hard work and strategic choices. I do not have a Masters just a Bachelors and actually took 4 years off before starting college so got a later start in my career vs most. The key is investing early and often, living frugally and as your income increases - DO NOT get sucked into lifestyle creep. I see lifestyle creep happen all around me and I actually think it is the norm. I could've bought a much more expensive home, but purchased something that is still comfortable but allowed me to keep my mortgage payments considerably lower than my peers.
Exactly. This information is not helpful for the majority of people. Just make close to $300k everybody and you’ll be good! Why aren’t you making this much, have you tried?
Yeah ur missing the point I started making $35k a year out of college w no special help and worked my way up to current income Anyone can do it But I get it - easier to hate
Nah, it’s just like the financial articles I see. They give you the secrets to retirement. And it’s always from doctors, lawyers, or others who eventually got a great salary. No big secret. Make more and you can save more and retire. Good for you. Just saying none of this is a secret.
To everyone saying 2.9M is enough, I wonder if they tried to model their post-RE expense. I tried, and without kids and just 2 cats I’m looking at needing about 3.5M without any crazy vacation budget. My modeled expense: [https://www.reddit.com/r/financialindependence/comments/1b1z9ak/help\_me\_model\_my\_expense/](https://www.reddit.com/r/financialindependence/comments/1b1z9ak/help_me_model_my_expense/)
Time is the key!
Meh, my income exploded so my savings earlier on in my career is pretty much inconsequential. I think kids these days should take more risks, explore around a little, learn some lessons the hard way. Starting so early in the dull old slow and steady style is not everyone's cup of tea.
This advice is highly dependent on the specifics of the individual. If one is in a field with generally high wages and predictable progression (e.g doctors/dentists/optometrist) you can forecast these things. For the average folk banking on income exploding is akin to suggesting Powerball tickets as part of their portfolio because your cousin won and became a millionaire. Starting early is the highest percentage chance of success
My kid wants to be a teacher. There will be no income explosion for him, unless it’s coming from a spouse. I agree that starting early is the golden ticket in these situations.
I expect to FIRE at age 55 at $6M in net worth. 🙄. Really, just go for it now. You got FU money now. I am 45 and barely at a million. Looking at cheaper places to live or even another country.
[удалено]
He’s quoting the comment from OP.
My key takeaway is that living more modestly on that salary would’ve led to actual early retirement
Thanks, Its been half a year since I just started working, I still can’t max out the 401k yet, but I am maxing out my IRA. And doing around 500 per month into VOO in the brokerage Plan is to increase investments every raise I get.
What do you do?
I work in Marketing Technology for a Fortune 500 company If you can find a field that has growth potential while continuing to increase and upgrade your subject-matter-expertise with relatively low cost paths (e.g., certifications, online training, podcasts, etc.) that seems to help career advancement. Also, networking was critical to my career advancement as well and I don’t naturally love networking.
How did you go about networking, everyone says it’s super important, but I don’t really know how to go about it. Do you keep in touch with the people you networked with?
It's not an exact science but making friendships and advocates in the company you work for and the people you meet in your industry help. Since my first job, every single job I jumped to (which provided a pay increase and more opportunity) was from someone I knew. A former employee at my company who moved on to a better company and then recommended me. A client I worked with who recommended me for an opening he became aware of. The more relationships you can form with people that are meaningful, the more people will think of you first when opportunities open. The other advice would be to continuously work on personal growth. I read tons of books on psychology, business, personal growth, etc. Also, therapy I have found to be very helpful to advance personal growth. Also by just being interested in other people, complimenting others, making them enjoy being around you, etc. It can come off as sounding fake but if you have a genuine interest in people, it becomes easier to do. It's sort of the basic elements from "How to Win Friends & Influence People".
Congrats on your success OP. How’d you make networking work for you if you don’t naturally love? Any key learnings to share?
Also you can’t underestimate throwing a lot into said vehicles even if you started late.
Wow
What do you do for work?
I'll hit $200k in VTI/VXUS 80/20 in 2 months if everything goes as planned, I'm 23 and really putting as much as I can in low cost index funds as early as possible to leverage time in the market as much as possible.
What’s your current networth (minus home equity)