just spoke with a financial advisor and shit made my head spin. just reminded me that we get taxed/penalized like crazy in this country. between taxable income, 401k, roth iras, limited contributions, capital gains tax, penalties for withdrawal, brokerage accounts, taxes, debt. wow. add kids, mortgages, on top of that? LOL
a strategy for retirement is something that i've been passive/aggressive about but, feel better that i'm finally dealing with it head on.