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@semesta_hikmah: 2027 udah makin dekat, masa skill Bahasa Inggris masih jalan di tempat? 🇬🇧🔥 Coba luangkan waktu 1 jam sehari untuk belajar dan latihan secara konsisten. Nggak harus langsung jago, yang penting mulai dulu! Buku 1 Jam Kuasai Bahasa Inggris Otodidak bisa jadi teman belajar buat kamu yang ingin upgrade skill English dari rumah tanpa harus ikut kursus mahal. 📚✨ #bahasainggris #belajarbahasainggris #englishlearning #englishlesson #englishtips

Semesta Hikmah
Semesta Hikmah
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Tuesday 20 October 2026 02:40:55 GMT
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Contributing into my Backdoor Roth IRA every single year is a non-negotiable financial goal of mine. ✨💸 In my opinion, it is of the best ways to build long-term wealth while keeping tax-free growth on my side. I like to keep it simple and just invest in these 3 ETFs: ✨ VOO – S&P 500 ETF • Tracks the top 500 U.S. companies • A solid foundation for long-term growth ✨ VXUS – Total International Stock ETF • Provides exposure to global markets outside the U.S. • Helps diversify beyond American companies ✨ QQQ – Nasdaq-100 ETF • Focuses on tech-heavy growth (Apple, NVIDIA, etc) • Higher risk, but historically strong returns Long-term investing > timing the market. Stay consistent, stay invested. 💰📈 disclaimer: I am NOT a financial advisor. I am simply sharing what I personally invest in. Please consult a financial advisor as needed. #InvestingInMy30s #BackdoorRothIRA #WealthBuilding #FinancialFreedom #investingforbeginners #rothira #investmenttips
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