So when it comes to adding money to your bank account, there are big potatoes and small potatoes. The paycheck from your full-time job, no matter how much you make, is big potatoes. The $20 bill you found on the ground and the $10 you made from selling an old coffee table on Craigslist are small potatoes.
You know how sometimes when you see an email in your inbox that you know might contain scary and important information (medical test results, an acceptance/rejection letter, that sort of thing), your stomach drops, your heart starts pumping wildly…and instead of opening the email and reading it, you get up from the computer and go do something else instead?
For all the financially responsible steps I didn’t take over the past 10-15 years, there’s one thing I know I did right: I opened a Roth IRA.
To be clear, this certainly wasn’t my idea—it was my dad’s. He had me open one a long time ago, when I still lived at home, I think when I was about 19 or 20.