u/DigitalFStopper

New to Roths
▲ 7 r/RothIRA+1 crossposts

New to Roths

Other than the “I wish I started sooner” I’m pretty excited. I’ve been just doing 401k 12% pre tax and 4% Roth 401k, company adds 8.5%

Just started a Roth a month ago. Realized after starting to fund it I had time to make 2025 contributions but only had about 1500 avail to plunk down after my initial deposit.
Not looking for the next NVIDIA or Google.

Adding my holdings, feel free to roast me lol.
Voo 40%/ schd 30%/ jepq and qqqi total 10% and fselx,fdcpx,fseax totaling 20%.

Just trying to see what others think. Trying to retire mid 50s so have 10+ years of contributions ahead of me.
I can do a mega back door, at least it looks like I can and was thinking of trying to add 2-4K a year extra through that.

Thanks

u/DigitalFStopper — 7 days ago