Thanks! I started off my ROTH already it seemed like i. 2021 and I had about $17 extra already which isn't that bad. I've decided to kick off the start to saving smarter now. Appreciate the kind words also, I'm excited to start.

Thanks, I actually looked into Marcus as a HYS and I was also able to get a refer code to get it to 4.5x for a few months then back to 3.5x.

You're actually right, there's no need to have that much money sitting in a regular savings when it could be somewhere else. I've also maxed out my IRA for the year - thanks for the tips!

How much cash savings should I start off with in a high yield savings? Are they FDIC insured?

For the fidelity ZERO fund, is there a certain target age I should do for my ROTH? How about the backdoor roth?