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Ah, Baby Step 3B/4 . . . the “choose your own adventure” of the Baby Steps. You can: continue to invest 0% into retirement to aggressively save the down payment, go full throttle with 15% investing and save what’s left for the down payment, or split the difference somewhere in between. It’s all about your goals, priorities, and stage of life. You do you, boo. | George Kamel
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Ah, Baby Step 3B/4 . . . the “choose your own adventure” of the Baby …
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FacebookGeorge Kamel
Let’s talk Baby Step 4: Contribute 15% of your gross income to retirement investing. (If you're not yet doing Baby Step 3b, you can work on Baby Steps 5 and 6 at the same time) Where to start: * 401k or Roth IRA: If you have a Roth 401k, max it out. If you have a traditional 401k with a match, contribute up to the match, then put the rest into a Roth IRA. * Why Roth? You pay taxes now, so you won’t pay them when you withdraw in retirement. Choosing your investments: You don’t need a pro for this
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