Max out my Roth IRA contributions for the previous tax year (sitting at like $4k out of $6k so far) with my stimulus check, or split it up between speculative plays I think have a ton of potential? (PLTR, CCIV, Bitcoin, and Ethereum)

Roth IRA is 100% allocated to the Vanguard Windsor fund btw. I’m 23 and think risky plays while your young are the only way you ever truly make it, but recognize the benefits of maxing Roth IRA YOY. Help!

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Max it. You can still make risky plays next month. Can't add to your IRA for last year after that.

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What about maxing your Roth but tweaking the allocation to put some on one of the riskier plays you’re interested in?

Honestly I didn’t know until like 3 months ago I could have risky stocks in my Roth IRA, I thought it all had to be in an ETF. (yes I am a noob, tech background not finance) I’ll consider this, thanks

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