🎯 Your goals: Pad your IRA + build an emergency fund — both are baked in below.
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Your Net Worth
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💡 Tips for Your Goals
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IRA contribution limit (2025): $7,000/year ($583/mo). Even $100/mo invested early compounds significantly. Your budget below suggests $100 — raise it when you can!
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Emergency fund target: 3–6 months of expenses. On your budget, aim for ~$6,000–$12,000. At $100/mo saved, you hit 3 months in about 2.5 years — accelerate with any extra income.
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Automate your savings. Set up auto-transfers on payday so the money moves before you can spend it. Treat IRA contributions and emergency fund like a bill.
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Roth IRA vs Traditional: At your income level, a Roth IRA is usually better — you pay taxes now (low rate) and withdrawals in retirement are tax-free.