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@underthemoonafterthesun: 🥺🥺🥺😖😖😖😖 #and2ble #zhanghao

Ryan ❤︎
Ryan ❤︎
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Region: SA
Tuesday 14 July 2026 07:41:16 GMT
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Think you’re too old or too late to start investing? If so, this series is for you! 👀 The order you fund your accounts matters as much as how much you put in. Most late starters either skip one of these accounts entirely or put it into a brokerage while giving up free money in their 401k match. Here’s the sequence that actually makes sense: Step 1️⃣: 401k up to your employer match. This is FREE money. An instant 50-100% return before your investments do a single thing. Fund this first. Always. Step 2️⃣: Roth IRA. Money goes in after you pay tax, grows tax-free, comes out tax-free. At 42 you still have 20+ years of tax-free compounding ahead of you. 2026 limit is $7,500 if you’re <50. $8,600 if you’re 50 or older. Step 3️⃣: Back to your 401k to max it. $24,500 if you’re under 50. $32,500 with the catch-up. And even more if you’re 60-63 ($37,500 in 2026). After that: HSA, then taxable brokerage. Most people never get past Step 1. So start there. Comment ROADMAP if you want my exact 3-step strategy for starting your investment journey. *Not financial advice. Educational purposes only. Always do your own research before investing. #investingforbeginners #personalfinanceforwomen #PersonalFinance #rothira #401k
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