I am 22 and a few months into my first job and so far, I have only started investing in Roth IRAs, 401k, and certificates of deposits… I am trying to take steps to get into passive income (stocks, bonds, etc.) but, I am not sure of the best way to start… Any advice on investing for beginners?

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You are 22. Stop buying CDs. Max your Roth IRA. Get an HSA if you have a HDHP. Max your 401k. That will give you a solid foundation.

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CDs are silly with today's rates. They're not investment vehicles. Goid for you for saving though! Keep it up.

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If you need the security of CDs (for say a down payment or wedding in a couple years) look at IBonds through Treasury Direct instead. Rates are much better than even the best CDs in the current inflationary but low interest environment.

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As someone who has been working for close to 2 years out of undergrad, here are some things I do:
- Max out ROTH IRA
- Max out 401k
- Set aside $X/month to do dollar cost averaging on Vanguard Index Fund
- Live within your means
- Take advantage of good credit card rewards programs based on your lifestyle

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Read Simple Path to Wealth and/or Bogleheads guide.

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