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I'm turning 18 this year. My mom is a millennial
(discuss.tchncs.de)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
Might as well open a Roth IRA and start contributing to an index fund like VTI or VOO.
Long term stable growth and tax beneficial. The earlier you start saving for retirement the better, compound growth is very powerful.