33 year old with first real job... Roth IRA or brokerage account or...?
A family member is about to start her first real job (as a preschool teacher). She has had a hard time over the years but this is an exciting moment.
She has basically no savings whatsoever and trying to get her started on the right foot.
Her employer does offer a 401k.
My instinct is to set her up with a Roth IRA since I feel like she's so behind (and I'm personally not a big risk taker). But what would you all say?
Thanks!
Posted Aug 7, 2025, 12:54 AM UTC
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