Hello all!
I'm a newbie to the FI scene. I have been reading and trying to learn more about investing. However, much of what I have been reading, I am ineligible to take part in. I do not qualify for a 401(k) or an HSA. I opened a ROTH IRA about 3 years ago, but didn't really know what to do with it until recently. I do not have any debts or liabilities except for my car, which is an unfortunate necessity. Last year, I was gifted a mutual fund with significant capital, although I'm no fan of the .71% expense ratio. I have a modest income (30k/yr)and have been able to save up enough for an emergency fund but need help trying to get on track for retirement and financial independence.
Any suggestions and pointers?