I spent most of my 20s cleaning up old mistakes, like student loans, credit card debt, and a car I really couldn’t afford. I just paid off the last dollar of debt last month, which feels great, but now I’m realizing I don’t actually know what to do next. Current situation: Income: $68k/year Savings: $14k, about 4 months of expenses Monthly surplus: around $900 after bills 401k: 4% right now, just enough for the employer match Roth IRA: never opened one My rough plan: Open a Roth IRA this week an
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