1st yr, been putting away 18% of pre-tax income to 401K (-27% return). Have $3k to invest, what would you recommend? pay towards $4k loan, increase contributions, roth ira?

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Do you have an emergency fund?

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I’ve stashed most of my signing bonus, haven’t touched it outside of moving in

Roth IRA invested in VOO - maybe 1,000 at a time over the next 3 weeks.

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Pay off that loan ASAP.

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6 month emergency fund -> Loan with the extra

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Emergency fund...then debt...then invest

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Roth IRA, you only get so much each year.

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I like a big emergency fund but here’s the thing - the IRA is effectively an emergency as long as the market doesn’t go to zero. You can take out the principal at any time penalty free - plus you have the opportunity get tax free growth while the market is at a substantial discount...

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Thank you all for the input; will definitely start tackling the loan. Have an emergency fund for now but I think I would like to build it up closer to 6 months

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