[Sarah]

I would follow Dave Ramsey’s baby steps to make sure you have your bases covered.

Dave is great with budgeting and financial management, but skip his portion on investing advice.

Once you have the baby steps in place, then read “The Simple Path to Wealth.” It’s an easy read and well worth the time.

[Jasmine]

If you have any high interest debt, like credit card debt, I’d clear that asap.

Assuming you don’t have any high interest debt, do you have an IRA?

Maxing out an IRA and investing the contributions in low-cost broad-based index funds (like VTI or similar) is something to consider.

Also suggest reading The Simple Path to Wealth by JL Collins to learn the basics of investing.

[Lori]

If you can live with out it invest every penny in vtsax or vti and reinvest dividends. $7k of it can go in a Roth account if you have income.

3k can go in a brokerage account. Be an investor not a spender.

[Author]

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