How am I doing so far?

Doing a lot better than most at your age. Keep it up

if u compare that against people on this board your completely behind. Most 33 yr olds that post have a paid off house and over $3m in their portfolios. But against the rest of the United States your absolutely on the right track.

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have been working since I was 25

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what kinda limp wristed soft hands Baw ain’t go to work until he’s 25yo?

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I was in grad school getting my doctorate in Physical Therapy. I do have really soft hands though. My patients love them.

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Boom!

It definitely depends on what type of PT you do. Working in the hospital I would estimate starting around $65-70k. Working in an outpatient clinic is closer to $75-80k usually with bonuses depending on how many patients you see. Working in a nursing home can bring in closer to $90k because no one wants to do that honestly. Home health is where the most money is. You can easily make over six figures doing home health. But the types of patients can make that line of work pretty depressing and not very fun.

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It definitely depends on what type of PT you do.

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My wife works at a fitness club down here in South Florida called John's Island Club. A bunch of incredibly wealthy people. It has a $400K joining fee, plus you have to own a house in the community, which ain't cheap.

Anyway, she says the biggest business at the fitness club is personal trainers and masseuses. They charge something like $180/session. All these rich folks have more money than they can spend and spend it on what makes them feel better as they get older. Some of the older ones need physical therapy, but a lot of them just want a massage 3-4 times a week.

The business slacks off in the summer, because a good number of them only winter down here, but my wife says that they are 100% booked from open to close during the season. Some of them have their masseuses come to their home because making an appointment can be dicey...

I would say that would be an awesome place to work...

Don't know what you're 4% to the 401k equates to in dollars, but if you keep maxing out the ROTH for 20 years at a 10% rate of return, you're looking at over $900k at age 53. If you do that to age 60, it's $1.9 million.

Keep doing what you're doing.

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Don't not put in because the market it falling or has fell
Think of it as stocks/funds on sale

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Exactly, like they say "time in the market is better than timing the market"

Hope you never need PT then. Good luck never getting injured or having arthritis!

PT salary is 40+/hr in BR and BR is known for low wages.