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👨💼Brian Feroldi is an author ( investor, YouTuber, and financial educator. He’s been investing in the stock market since 2004. Brian likes to buy and hold the highest quality companies he can find.
👨💼Brian Stoffel is a writer, investor, YouTuber, and financial educator. He’s a teacher at heart. Brian has been investing for over a decade and has written over 4,000 articles for The Motley Fool. Brian plans his life and his investments around “antifragile” principles.
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Awesome
Just opened my chase bank acc, i want to start investing in something or some type of investing, im 22, want to know wher i can start
You did not mention, how long to invest in a Roth IRA
talk about what to invest in, in your Roth IRA….
S&P 500 yields more
@ 45 years old I don’t have 40 years, now what?
Im in my 40s i dont have 40 yrs
I started mine at 29 and wow I wish I began sooner
Wish it was taught more for young kids to start investing ASAP. You miss out on so much potential by not investing in your late teens/20s. Most people lose like 10-15 years of compounding due to not knowing the benefits of just being in the market long term. I’m 27 and feel like I missed out heavily not investing in the tech boom the last 10-15 years but you learn from these things.
This doesn’t even factor in that the maximum annual rate will increase over time. The 30-40 year range specifically will be much higher as the increased contributions will have more time to grow.
Seems great when im 60, but i dont want to wait until im 60 to be financially free
You have to make under 141k a year to invest
One thing to remember is the tax component of a ROTH. You pay taxes now and not later, so if you are a high earner now you will pay more taxes on ROTH than 40 years from now when you actually retire and pull money out. Not good to put all in a Roth if you are a high earner.
This example only valid of consistent 8% return over 40yrs…. How likely is an 8% return over 40yrs??
I'm fresh out of college and don't have a full time job yet, but I still put $40 a month in and will increase that after I get that job
Now adjust it for inflation to get the present buying power. lmao. $1.8 million 40 years from now is not the same as $1.8 million now.
Roth IRA and 401k are identical as long as taxes stay the same(unlikely). Only advantage with a 401k is you get to look at a bigger number for years before it's taxed back down to reality. Either way contribute as much as you can for your retirement and your family's well-being 🙂
Inflation would like a word with you…
Stupid question. Contributing to the Roth IRA, but what do we do with that money exactly.? Invest in ETF stocks.?
Thanks to student loans, most 25 year olds don't have an extra $500 to invest per month