Since messing around with compound interest calculators it seems that every day I don't invest now will be a huge regret in the future. And Bob thank you for the recommendation. regarding the total stock market fund.you need a calculator that takes into account the expensive loans..(>:... i agree with pay off the loans with the extra you'd invest .. then a taxable account --with index funds, the taxes shouldn't be significantor you might do a traditional IRA since you don't/won't have a 401(k)just don't do what i did at 25 (all 'extra' money went to playing blackjack)
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