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@makubexx I just found out about QQQM like last week. I'm buying it going forward but haven't bothered to sell my QQQ to switch to QQQM yet. It's 0.2% vs 0.15% so not the end of the world either way. Both are great choices

@deanie This is what I do. 100% C fund in my TSP and then QQQ in my Roth. QQQM is actually the better fund. It's the same holdings as QQQ but has a slightly lower fee.

@landeigestapo You can use an Annuity calculator and 20-year O-5 pay and see that the retirement pay alone is worth $1.5-2M. That doesn't count any disability or your healthcare for life... So even if you saved nothing it'll like retiring a millionaire. If you save smartly and invest your...

@freeyourmindfromthelies Always pay off the highest interest rate first. If I were you I'd stop making extra mayments to the truck and credit card and put all that money into your wife's car as it has the highest rate. If you pay the minimum on the truck and credit card, you could be paying...

@fetorahjesuslibertarian So right now I'm investing 20% of my base pay. If I retire at 20 and get a civilian job that pays $140K+, I'll continue to invest 20% of that pay, plus I'll also invest 100% of my military pay. So I'm assuming that I'll keep the same lifestyle which is covered by my...

@fetorahjesuslibertarian When I run the numbers for an O-5 retiring at 20 versus at 28, it's roughly $2M+ better to retire early by the time I hit 62.

@marezee61 I don't, sorry!

@resjudicata 100% C fund is the way to riches, especially if you have tons of time.

@bluelionlaguna A Lt Col with 20-year of experience makes $121k in base pay. So if I do zero work (retire) I get paid $60k. And if I go to work I get paid $120k. So I'm actually only getting paid $60k to do my job, because doing nothing gets me $60k. Thats what folks are pointing out. Every...

@job3315 I 100% understand the theory and how they work, and have also seen their performance since they were first introduced, and there is zero reason a 20 year old needs to be in them. The Vanguard Target date fund for the year I plan to retire is up 98.53% since I entered service, the S&P...

@job3315 He can move into an L fund 30 years from now then, but right now? No way.

@job3315 There isn't a single L fund that has beaten the S&P 500 over the long run. Just invest in that, IMO.