re: If you could go back 20 years what would you do differently?

I’d settle for going back to 2015 and listening to a guy on Reddit who was screaming to anyone who listen to sell everything you own to purchase Bitcoin.

Only had $13k in savings, but I’d be a millionaire today lol.

I get a job with stock options.

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believe Tyson got down to 8 or 9 bucks a share.

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Think it hit 3-4 bucks.

Convert more to Roths ira. I did enough that I had to pay about $65000 in taxes over a few years - and I had to sell a few rental properties to get this accomplished

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One thing I would not do is have any bond funds in my retirement portfolio in my 20s, 30s, and probably well into my 40s. I would be 100% equities during those primary accumulation years.

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Agreed. Even at a young age, I was concerned with losing my job, falling on hard times, etc. I married a bit later, so I was single throughout my 20s. Six months of living expenses would have been reasonable. Graduated college in 1982, and good advice was hard to find. My mentors at work, and family members were more clueless than I.

I would not have bought a BMW in my twenties. I would have driven a decent, reliable car.

I probably would have traveled and been more carefree. It’s not that k didn’t do those things but I could have done more of it.

I don’t have many financial regrets thankfully. I could have been a bit smarter on Roth IRA contributions and back door conversions earlier. Otherwise, plan has played out as I would have hoped.