Statist Cuck
Site Supporter
Sep 24, 2015
Company doesn’t match 401k right now so there’s that
Yeah, that sucks and does change things. Obviously you'd want to contribute at least as much to get full company match and then increase your 401k and/or go the IRA route.


Millennial Supreme
Lifetime Supporter
Aug 26, 2016
Zip code
28 here, started my Roth IRA around 20 and maxed it out every year the first 6 or so years, been adding less aggressively since then because now I have some 401K matching at my current job and I put about 8K a year into that so the money I put in the IRA is much less than before. Time is on your side. BUY AND HOLD. Buy across industries. Don't put all your money into tech or gold or only US held companies or target date funds. Shit I don't like target date funds much at all tbh. I have a few funds and ETFs but the best thing I ever did was read a book on deep value investing, take the highlights, and invest in solid companies.

DO NOT mix emotions with investing. Like Mark said, don't bail when something goes a little south, simply buy more at the discount ;)

Another tip, buy into necessary goods and services. I read that in a book years ago and it clicked. What do people need to survive? Look into those industries then pick decent companies that aren't overvalued, look to have a bright future, have the cash on hand to overcome obstacles, and have a decent track record. Think shelter, transportation, food, clothing, personal hygiene, pharmaceuticals, etc. Some examples that have been crushing it for me are General Mills, Home Depot, Honeywell, Hershey, Johnson and Johnson.

Although, tech companies are my biggest gains. I've held on to Apple, Google, Amazon, and Tesla for years and they have been ridiculous. I held Netflix for a long time too and made a ton on it and finally ditched it late 2019 due to the additional market pressure and their lack of a unique value prop recently.
man i would have killed ot have been able to max out in my 20's. im only 32 and still no way i can come close to maxing out


Weekend Warrior
Lifetime Supporter
Mar 7, 2018
Newnan, GA
Zip code
Also, all this to say. Only 15-20% of Americans have enough in savings to cover a $1000 emergency. So needless to say, even if you only get 500k-1million by retirement, you’re wayyy ahead of the game. Compound interest alone of 1mil is enough to live off of.
By “$1000 emergency” we mean gun fund, right?


Site Supporter
Mar 27, 2015
Zip code
man i would have killed ot have been able to max out in my 20's. im only 32 and still no way i can come close to maxing out
It was like a game to me back then. Idk what started it but I would walk over to Publix for lunch and grab a can of chicken and a Publix brand bag of frozen veggies. Could eat a full meal for less than $2. I even remember going as far as shifting my car before 2K rpms to save gas money lol. I was REALLY cheap back then.