This will take you ~10 minutes at the maximum.

1. Open a Roth IRA at any major brokerage that offers commission-free trades (Vanguard, TDAmeritrade, etc). It’s free.

2. Connect your bank account to this Roth IRA and transfer up to 6,000 of taxable income that you earned in 2020 or 2021.

3. Invest it into your favorite funds.

4. Rinse and repeat every year until you’re 59.5 years old.

For those who aren’t aware, Roth accounts are after-tax accounts. This means you put in money that has already been taxed. However, the massive benefit is that any interest earned in a Roth account is tax-free when withdrawn.

*Not specific investment advice. Only for educational purposes

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