u/Embarrassed_Lion3439

Hi. I don’t have a degree. I worked in as a medical assistant for years and then got my real estate license. I’m looking to find a flexible remote position that I can do on the side and have employer paid Insurance/retirement etc. I’ve looked on indeed for my state and don’t come up with much. Would love something that was like data Input or something. I don’t want to do anything that requires sales. Anyone have any ideas

I’m 40 and just learning financial literacy. I have no retirement. I opened a Roth IRA and have begun putting small amounts into FSKAX and plan to max it out yearly.. From what I could tell all of those index funds are pretty much the same and I can’t figure out if one would really do much better than the other so I went with that.

I work in sales- self employed 1099- and so far my income has always been under 140k each year, usually closer to the 100-120k mark. Of course it could go up or down I just don’t know.

What happens if I have been putting money into a Roth and all of a sudden my income seems to be going above the threshold for this year or another? How would I handle that?

I also have an individual brokerage acct that I would love to grow as well for money that I could let grow or use early if needed- still learning about the tax liability on any gains.

Just not super sure what I’m doing and people throw around so many different options like qqqm, voo, vti, and more so it’s all so confusing. I barely have money to put in maybe couple hundred bucks a month but if I get bigger chunks throughout the year I’d like to be smarter with it. Obv too- since I’m late I’d like to see anything input in grow as much as possible.

Would love to know what you guys would do in this situation or for direction on where to better learn