Yeah, I wouldn't have any idea how to tell if it's low. When I look at those charts, my brain feels like it's frying. I literally have ZERO experience in this stuff. I am so appreciative of everyone's help and kindness towards my lack of knowledge and experience!!

Okay, how do I go about doing the D.C.A.?

My husband is retired. He's in his mid-60's. He has a retirement account but is no longer contributing to it. I do not have one. I would like to start one, though, which is why I'm needing some guidance. I'm trying to provide as much info as I can while still maintaining some degree of anonymity on the internet. What other information do you guys need? I'll see what I can answer!

So the more aggressive your investment, the higher the likelihood of having a higher "payout" so to speak? I don't know the exact term.

Awesome! Thank you!!

Got it, thank you!

Yes! This is exactly what I'm looking for, set it and forget it! Thank you!!

Me too. Best of luck to you!

I'm in the very middle of the US and I'm in my mid-30's. I started a savings account that my part time job check goes into. Gross base pay per month is $500. I'm using a lot of that to help my husband pay off his debt, but want to put at least $50 into a retirement or investment account. I plan to also use some of that to put into a HYSA for emergencies. The $50 was decided on because I easily blow that amount on stuff I don't need every month and would rather put it to good use.

Thank you! Anyone in particular?

I am employed on a PRN/part time basis due to disability. I want to save this money for "retirement." I do also have a goal of working on a down payment for a house, but the retirement is my first goal. With that said, can you advise me on both goals?

Does it have to be full time employment? I think it will be for retirement.

Since this is all pretty new to me, a lot about your comment is confusing me. I am mid-30's, no children, no possibility of children and have a Master's degree, so no plans to further my education. Most of my money in my early part of my career went to help support my disabled parent.

Is that what I would buy into? The VOO and VTI? What is an S&P 500 fund? I'm in my mid-30's, so a little late to the game.

I've read a lot of positive reviews about Ally. Thinking of checking them out myself.

I agree, but here is my situation. Most of the debt is my husband's, who is SEVERAL years older than me. I am happy to help him pay off the debt, but want to start putting some money back for when he is eventually gone. I agree that I should help pay down debt first so I'm not stuck with that in the event he passes, but I also worry about loss of his income. I don't know if that makes sense. Still seems like I should pay the debt down first.

Thank you!

Guess I missed that. I thought he grabbed it after they found her body. Either way, terrible tragedy.

I said total loss in reference to stocks or something like that where I could easily lose money. With $50 a month, it wouldn't be the end of the world. I plan to put other money in a HYSA, help pay off debt and other things. I'm not sure what you're saying in your last point.

Is anyone else bothered by her father playing cricket while townspeople were out looking for his missing daughter??

I would not be looking for a different job.