re: Roth IRA

quote:

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guilty

although I was in school until 25 and made dogshit until almost 30 (thanks 2008 economic crisis!)

i really get mad at myself for not investing in my roth and HSA earlier

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I feel like most people dont really start till their 30s, same here for Roth IRA and HSA. In fact I've had an HSA for probably 4-5 years now and just started maxing it out recently realizing the potential there. Still, getting started in your 30s is pretty dang good and on a great path for a nice retirement if you stick to it. I turn 35 this year and it will be the first year I've maxed a Roth IRA and my HSA.