Probably best to start contributing to an IRA after exhausting the employer match on a 401k. You have more flexibility with it and don’t have to worry about later rollovers. If you can max that out, then go back to the 401k until that is maxed, but most people aren’t able to do both each year.
Here’s a flowchart of the best order to spend money from one of the financial subreddits. The best yields are on the earlier investment types each year, so if you are reading this please try to save at least a little regularly. It will save you so much later on. If you don’t know what to invest in, historically an index fund like SPY or Vanguard will get you good returns with lower variance than individual stocks and doesn’t need to be closely managed. A 401k will have more limited options but I would still try to look for a wide market index fund.







Well I liked reddit overall. My main annoyances with it were the prevalence of power tripping mods/admins and the removal of third party apps (and too many ads otherwise). Lemmy at least gives options and accountability when it comes to the former and fully resolves the latter. You still have meta drama and at times annoying community members but overall I view it as an improved alternative.
This doesn’t seem like a fair judgement. I know some people got banned on reddit but for the most part Lemmy’s users are here because they prefer to be here. It’s not like there’s a high bar to pass to be a redditor. I left from the API apocalypse, as did many others. The bad apples are the most memorable but I’ve found the vast majority of people here to be assets to the community. Also, when making broad judgements about the user base you should remember that you’re here too.
I didn’t look through the other thread so I won’t comment on it too much. But I don’t think it’s fair to complain about other people looking through an example you introduced to see how it supports your argument. And if you did say you wanted to kill someone there then that would be fair game to bring up as a significant ommission from your summary of the “otherwise civil discussion”.