Hi Bogleheads,
Longtime lurker, first time posting. I’m 27 and new to investing, so a lot of this is still confusing and a little scary for me. Just a girl trying to make sure I’m not doing anything dumb…
Goal: retire young, have flexibility to move abroad for months at a time. Financial freedom. The usual things, lol.
Right now my plan looks like this:
• Brokerage account: investing \~$8k/month
• Allocation: 80% VTI / 20% VXUS
• Backdoor Roth IRA: maxing annually (VTI)
• HSA: contributing monthly (VTI)
• No debt, solid emergency fund
My main question is whether this is “good enough” to set and forget for decades, or if there’s anything I should change? I started working with a new tax/financial planning company and have my onboarding call today. They’re super nice but already made a comment that I could be doing “better things” than investing in an individual brokerage account, which confused and worried me a bit.
Lastly, if you have any words of advice for someone my age I would love to hear them! I know the biggest thing is to set & forget and not panic when things dip (although, I don’t know what to expect when that happens!? Or what it might look like?)
TIA :)