Finally ready to invest, help!

I am 22 years old. I received $13k today from a car accident from last year. Also recently got a job by some miracle while being in college. I now have $14,500. I have nothing in savings, investments, anything like that but have been planning and have a good baseline knowledge. I have no true expenses other than gas. No rent, on full ride scholarship, no car payment. I plan to max out my roth with VOO, VXUS, AVUV at 65/25/10 and then put the rest into a hysa as an emergency fund/savings. My only question is should I go all in right now and max it out or contribute slowly until end of year? Is the market in a fine place to buy right now? or will it even matter considering the plan is for long-term investment anyways? Thanks!

Posted Sep 25, 2026, 7:38 PM UTC

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