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    New to financial planning, I wasted 8 years of my 401K employment matching only 3%. Is it too late for me (30 F)?

    @shanewp1988 Max out 401k every year Max out IRA every year, possibly backdoor Roth IRA depending on your income. Max out HSA every year if you’re enrolled in a HDHP. Invest the remainder into a taxable account.
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    I would like investing advice for my 401K

    @paulnolivia A vanguard target date fund is perfectly fine to choose as your “all in one” fund: it’s globally diversified, low cost, rebalances regularly, and comprised of index funds. Your plan also offers good index funds from vanguard and fidelity. The vanguard TDF already has them all...
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