NHwmnf t1_jeg6but wrote on March 31, 2023 at 7:47 PM

Reply to comment by maccc095 in CD vs T-bill what’s the best move? by maccc095

HYSA or money market fund will get you comparable gains these days where cash is no longer trash

NHwmnf t1_jeg630g wrote on March 31, 2023 at 7:46 PM

Reply to comment by appleshit8 in CD vs T-bill what’s the best move? by maccc095

Well, investing in a target date fund is, in fact, a good way to be on a set it and forget it glide path and can help take the intimidation factor out of investing in the Roth IRA. I meant though, set up your Roth to automatically move money from your savings account to your mutual fund (for example, the target date retirement fund previously mentioned) every payday or month to keep that tax exempt growth going to set you up for the future.

If you can figure out what you're saving this money for, you can find a place for it and keep it going. Take a look at the subreddit's prime directive. After that, there's nothing wrong with enjoying the fruits of your labor either though.

NHwmnf t1_jefitgr wrote on March 31, 2023 at 5:12 PM

Reply to CD vs T-bill what’s the best move? by maccc095

You could open a Roth IRA, contribute the max for last year and the max for this year. Then make a plan to automate investing in it for the rest of your career. That would take care of a good chunk.

It would be a good idea to keep a good bit liquid as a 3-6 month emergency fund. You can open a brokerage account and invest in index funds for growth, or if you're risk averse, a simple money market fund will get you very close to your CD return rate and you can pull it and spend it in an emergency without penalty.

NHwmnf t1_j986k8z wrote on February 20, 2023 at 12:10 AM

Reply to comment by soullessgingerlol in North Conway ideas by Mindless-Spend-2972

Another vote for May Kelly

NHwmnf t1_j6fnyxl wrote on January 30, 2023 at 12:17 AM

Reply to What do I need to know? Moving to NH in April by volunteer85

I'm a NH seacoast resident and homeowner. I love it so much. I love hiking and skiing more than anything. DM me and ask me anything.

NHwmnf t1_j4xrjxy wrote on January 19, 2023 at 12:18 AM

Reply to comment by Beautiful-Sense-3337 in Things to do in New Hampshire by Beautiful-Sense-3337

Gunstock is a pretty rural area in the state but finding beautiful places to hike and ski nearby is easy. If you make your way 30 minutes north to Meredith NH you will find several good eating options (tripadvisor will steer you in the right direction) and you will be able to enjoy beautiful lake Winnipesaukee, walking out on the ice.