Your Investment Roadmap

Answer simple questions and we’ll tell you exactly where your next dollar should go.

Your Progress
0 of 4 steps completed

Are you contributing enough to get the full employer match?

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You’re Crushing It!

You’ve got all the major investment accounts set up. You’re ahead of 90% of people your age. Keep contributing, stay the course, and let compound interest do its thing.

Your Investment Stack:

  • ✅ 401(k) with full employer match
  • ✅ Roth IRA maxed ($7,000/year)
  • ✅ 401(k) maxed ($23,500/year)
  • ✅ Taxable brokerage for extra investing
Your Recommendation
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Get the Full Employer Match

Free money you’re leaving on the table

  • 1. Log into your employer’s 401(k) portal (or ask HR for the link)
  • 2. Find your employer’s match policy (e.g. “100% match up to 6%”)
  • 3. Increase your contribution to at least the match percentage
  • 4. Choose a target-date fund or total market index fund

Example: If you earn $60k and your employer matches 100% up to 6%, that’s $3,600/year in free money.

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Open & Max a Roth IRA

Tax-free growth forever — your most powerful account

  • 1. Open a Roth IRA at Vanguard, Fidelity, or Schwab (all free, takes 10 min)
  • 2. Buy VTI (Vanguard Total Stock Market ETF) — one fund, 3,500+ companies
  • 3. Set up auto-invest: $583/month to max out ($7,000/year)
  • 4. Can’t do $583? Start with whatever you can — even $50/month matters

Why Roth? You pay taxes now, but all growth is tax-free. $7k/year for 30 years at 10% = $1.27M tax-free.

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Max Out Your 401(k)

$23,500/year pre-tax — huge tax savings

  • 1. Log into your 401(k) portal and increase your contribution percentage
  • 2. Target $23,500/year ($979/paycheck if paid twice monthly)
  • 3. Choose a total market index fund or target-date fund
  • 4. Can’t max it? Increase by 1-2% each raise until you get there

Tax savings example: If you earn $80k and contribute $23,500, you save ~$5,875 in federal taxes (25% bracket). Your paycheck only drops by ~$17,625.

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Open a Taxable Brokerage

No contribution limits — invest as much as you want

  • 1. Open a taxable brokerage at Vanguard, Fidelity, or Schwab
  • 2. Buy VTI (US total market) and VXUS (international) — 80/20 split
  • 3. Set up auto-invest with whatever you have left after maxing retirement accounts
  • 4. No contribution limits, no withdrawal penalties — total flexibility

Pro tip: This account is great for early retirement (before 59.5) or big purchases. You only pay taxes on gains when you sell.