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Thanks to everyone for the continued advice.

I am going to look into the personal 401k plan. Thank you for the tip.


My rent was included in the monthly figure above. After my ROTH, loans, and rent, I am left with $750 each month.


Taxes: Approx. $140 per month. (after my business expenses I've been paying about $1600 a year)
Health Insurance: None.
Transportation: Free, and occasional subway, say $20 per month.
Food: Approx. $240 month

These costs total to $400.

$750 - $400 leaves me with approx. $350 month.


Pretty meager, though after the aforementioned advice I am going to work on directing as much of this "extra" money as possible my loans (while still trying to enjoy life.)

I now realize I am definitely not in any shape to invest further.

Does anyone feel that starting and maxing out my ROTH was a poor decision?
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