re: Roth IRA

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the only problem with a Roth is that you have a limit on how much you can invest

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Roth IRA yeah, $6k/$7k if over 50 isnt much per person, but I look at it as gravy on top of 401k really. Can also do a Roth 401k which has the same limits as traditional 401k. I put my contributions into my 401k as Roth with my employer match being traditional. So there's kind of 2 buckets for me there.

Although I will say this, if you did $500 per month ($6k/yr) from age 25 through age 59 (going slightly early retirement here) for 35 years...that's still $210k invested and if you get even just an 8% annual return will be worth well over $1.1M by the time you hit 60. That's not accounting for them raising the contribution limits which they obviously would over time.

Problem being almost nobody seems to get this advice or take it seriously enough in their 20s to start then