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[quote=Anonymous][quote=Anonymous]Op, I have earned $350k in total since I started working in 1996. Not only did I survive on below minimum wage at times, but I was able to retire at 46.
I never had a retirement offered at work and that was a good thing. Roth was a great option for me. It's not tax deductible, but as a low wage earner, I never really paid tax anyway.
I doubled my Roths last year and already double one of them again this year. Working on the other one.
Forget about the 7-10% a year story. Had my work offered 401k, I'd still be working and saving for retirement.
401k teaches you nothing. Someone else is managing it for you and collecting fees.
Max out your Roth, make sure the kids max out theirs. Don't waste the max they allow every years. You got to put as much money into tax free account.
Shortly, concentrate on maxing out everyone's Roths and know that 100% return is possible. Don't let your money waste away in 401k. Even the match is not worth it, but you won't know it until you learn to get the higher returns on your own. Then you look back at your 401k and and thing, 'wth'. 
You don't need any advisors. I told you that Roths can be doubled yearly. Warren Buffet said so, but everyone noticed that he suggested S and P 500 for most people. Don't be most people. He said it in one of his videos and I was listening.[/quote]

Ignore this poster. He comes on every finance thread with this snake oil drivel.

Stick the course with maxing out your 401k Roth and you’ll be fine. Just make sure you’re not too conservative with your allocations (with 12+ years to go I would be all in stocks)[/quote]

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