@robeverydayfinance: 💰If you’re in your 30’s and have $0 saved for retirement, here is a step by step guide for how you can still retire with over $2m by the time you reach 65. 1️⃣ Open a Roth IRA. This account allows post tax contributions, but rewards you later by allowing all your money to grow tax free 2️⃣ Contribute up to the yearly maximum of $7500. 3️⃣ Invest your money! This is the most important and most overlooked step. If you don’t invest your money, it’s doing nothing for you. 4️⃣ Automate the process. Since we’re keeping things simple, automating it takes away the ability to forget to invest. Just remember to check in every once in a while to make sure nothing broke. Follow me @robeverydayfinance for more personal finance you weren’t taught growing up! #PersonalFinance #personalfinancetips #financialliteracy #rothira #investingforbeginners
I’m 37 and this is the first time I maxed out my Roth IRA
2026-10-07 01:07:59
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Sophia :
i finally maxed out my roth ira for the first time 😁
2026-10-10 13:34:36
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rae.annhall :
I can only afford $50 a week but this is better than nothing
2026-10-07 13:48:44
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Jackee ❤️ :
Another tip: If you get annual bonuses , invest 100% of it in your ROTH IRA. Especially if you can’t physically do $625.
2026-10-07 15:14:48
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local cryptid :
yeah I straight up cannot afford $625 a month lol not on my income. and if I sacrifice anything then I don't have a car or food or a place to live or the ability deal with my bills. so. I guess I'm working forever if $625 is the bare minimum
2026-10-07 16:26:14
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Ari ᡣ𐭩ྀིྀི :
This week, I maxed out my Roth IRA for the first time ever 🥹
2026-10-06 19:27:21
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Gmoney317 :
A lot young people don’t realize that they might not live this long, also that life won’t be the same when they are old. Being old and rich isn’t as good as young people think.
2026-10-07 01:29:55
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briberry19 :
Appreciate the info, but $625 is extreme for most people in this state of the economy. What can you suggest for those maybe only able to sacrifice the price of eating out $10-$40?
2026-10-07 18:01:34
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Wealth in a Minute :
Step 3 is the one most people miss — contributing isn't enough if the money just sits in cash. Automating the buy is what turns the habit into compounding.
2026-10-08 11:02:34
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Spaghetti0618 :
I know $625 sounds like a lot of $ becuz it is lmao
2026-10-07 01:15:26
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Tamie BSN, RN :
help me i’m 33
2026-10-07 23:13:32
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sunflowerchinacat :
Are blue chips a good idea to invest in?
2026-10-08 08:53:38
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Jon Peter :
But what if you are mid 40s?
2026-10-08 01:22:00
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mamicafeychisme :
Question: if starting a new job and will be rolling over my 401k from the old job but thus new job offers 401k and Roth shud I go with Roth or keep 401k and start another Roth elsewhere
2026-10-07 05:31:12
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Austin :
I invest 7% because that it was my max company match (4% at 100% and up to 7% at 50%) into my 401k, should I switch to a RothIRA?
2026-10-08 12:24:45
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rumham19 :
My work contributes to a simple IRA through Schwab, should consider converting it to a traditional Roth IRA?
2026-10-07 15:58:18
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chrisn0_xtina :
Ok I don’t feel bad now.
2026-10-06 22:02:12
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Archibald :
How do you invest for a kid’s education?
2026-10-07 14:17:39
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MoneyMantics Tv :
Love this!
2026-10-08 17:44:13
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Roxy Sandoval :
What Roth IRA do you recommend? Or are all Roth Ira’s the same?
2026-10-08 18:54:35
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Rachel :
I would love to. But also the $775 car payment is something new that people believe is normal now, it’s just not. That’s the real bad financial advice. People don’t have the amount of money at the end of the month to max out their Roth. That’s it
2026-10-08 11:19:28
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Paint Guy | Money + AI :
Four steps and no fluff. Automating it really is the move — takes the willpower question off the table.
2026-10-08 18:23:16
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tlhvb :
Can I dm you my question?
2026-10-08 16:10:38
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justadrpeppergirly :
Can you explain why some people suggest FXAIX and others FZROX?
2026-10-09 01:05:22
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Wealth Signail :
Love that you break it down step by step, starting from zero makes it feel doable
2026-10-08 17:25:03
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