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Joined 1 year ago
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Cake day: July 4th, 2023

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  • You said you have $1000/mo in disposable income. The fund minimum on VFIAX is $3000. Do it. ROTH IRA style(after taxes, do not claim a deduction for this in your return) up to the max of $6500/yr. Since you’re in a low tax bracket currently and presumably will have higher income and higher taxes later in life you want to pay taxes on this money now, not when you withdraw it. Any excess funds can go towards individual stock picks or in the equivalent ETF VOO (which you already seem familiar with).