MonarchMom wrote: ↑Sun Mar 19, 2023 5:15 pm If you qualify for a Roth IRA that is the next step I would take. Since it is "after tax" money, you can withdraw the contributions you make without penalty if you need access to the money in the future. So it can serve as both a retirement plan (all growth is tax-free after 5 years) and an emergency fund.
A low-fee company like Fidelity, Vanguard or Ameriprise is a good place to open the account.
https://www.fidelity.com/retirement-ira ... lsrc=3p.ds
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MonarchMom wrote: ↑Sun Mar 19, 2023 5:15 pm If you qualify for a Roth IRA that is the next step I would take. Since it is "after tax" money, you can withdraw the contributions you make without penalty if you need access to the money in the future. So it can serve as both a retirement plan (all growth is tax-free after 5 years) and an emergency fund.
A low-fee company like Fidelity, Vanguard or Ameriprise is a good place to open the account.
https://www.fidelity.com/retirement-ira ... lsrc=3p.ds