40 year olds, what financial advice would you have for a 30 year old?

50 and older, I’m sorry, but in my personal experience, your advice has been a little out of date.

HSA > 401k > Roth or backdoor your Ira. High yield savings changes every time you can get an extra half point of interest.

Do not, I repeat do not touch your fucking hsa unless you absolutely must and are dead dying on the ground. Take out a small loan before you touch your hsa. A little interest will be cheap as fuck compared to a years loss of hsa funds.

Look at how much fees cost. They are sneaky. Vanguard is the standard with low cost target date and index funds.

do not fuck with day trading unless you feel like gambling

WTF is an HSA or 401k? We’re not all US Americans…

They are. Bravo on that awareness you felt the need to try and point out.

The title didn’t say “40 year olds in the US” now did it? Am I required to research every poster’s history? Jeez.

Are you required to open your virtual mouth anytime something isn’t directed at you? Are you op? Did I answer your question? If you hadn’t opened your virtual mouth would you be here having me shit talk you like a toddler?

How about you consider what actions you took to end up here.