Should I open up a Roth IRA or max out my 401k first?
Which should I get rid of or keep?
I currently live in MA if it makes a difference about taxes.
Hey Tiffany!
That screenshot you included, is that your 401K? Is it with your current employer? When you say “get rid of” I’m not sure what you’re suggesting… Can you give some more details? Also, are you out of debt except for your home?
Hello, live with family and yes it is an employer 401k and they match 2% after a year and When I say get rid of. Like should I simplify my account and only own 3, one international, one US and a bond? I currently have a car lease and 5k in student loan debit
Ah yeah, in my opinion that’s way too many funds. Almost all of them overlap with each other so you’re not getting more diversified by owning more, you’re just having more complexity. If your 401k offers a target date index fund, I’d put it all in that one, otherwise go with a three fund portfolio.
Here’s a post that shows how to pick your 401k funds:
THAT said, I would only contribute to your 401k up to the amount currently being matched. Then put ALL of your focus on squashing that debt! Get to $0 student loan debt, then save money to buy a used car when your lease is up. When you have no car payment and no debt payment, THEN you can invest to become a millionaire. If you keep making payments to banks your whole life, it will be very hard to get ahead. 
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