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Quick background
• Senior in high school right now
• Tuition-free college no student loans
• Paid marketing intern and sales agent
• Been investing on my own for about 4 years
• Roth IRA opened last year about $7,900 total in brokerage + Roth IRA
• About $4,500 in cash mostly saved toward future van life
• Automated monthly savings for a van projected 4–5 years
• Authorized user credit history no personal credit score yet
• Parents are not financially savvy mostly self-taught
• The only thing I really spend money on is retirement savings it’s the majority of my spending
My question
Is it smarter to go all-in on my Roth IRA from 18–22 to maximize compounding then at 23 or 24 pause investing for a year to fully fund van life and move out
Or should I invest in the Roth while saving for van life at the same time even if that slows both down
Main concern
Does early Roth compounding outweigh delaying van life versus letting cash sit in savings