First of all, I知 new so I知 sorry if this is the wrong area. I知 42 years old. I致e been negligent in planning for my retirement. I just opened a Roth IRA and will be able to max that each year at $6,000. I just got a federal job with a pension and TSP (I知 doing 3%. I値l probably max it at 5% match). Most of my money is in VTIVX with a little in VFIFX and VFINX. I壇 like to get the best return I can and be able to retire at 62. I知 also $80,000 in debt (student loans) and $21,000 (car). I earn $73,000 per year before taxes. Any advice on how to do things better?
Also, if I知 adding $500 per month into my iRA, is it better to buy funds when I have a certain amount in or should I buy every time I deposit money (I知 worried about fees killing me).
Thanks in advance.