Investing

David — Sun, 10 May 2026 04:09:12 GMT

References

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	In general, you should save money in the following accounts in order:		In general, you should save money in the following accounts in order:

	# 401k, 403b, or thrift savings ~~(up to employer-match)~~		# 401k, 403b, or thrift savings
	# Traditional or Roth IRA (up to IRS limit)		# Traditional or Roth IRA (up to IRS limit)
	~~# 401k, 403b (up to IRS limit)~~
	# Investing account		# Investing account
	# High-yield Savings, Cash account, or CD		# High-yield Savings, Cash account, or CD
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	Exchange-traded funds. Typically these will have a fee called an expense ratio.<br>		Exchange-traded funds. Typically these will have a fee called an expense ratio.<br>
	~~However, since they are not usually actively managed, their fees are often lower than mutual funds.<br>~~
	The expense ratio is measured in basis points.<br>		The expense ratio is measured in basis points.<br>
	25 basis points is an annual fee of 0.25%.<br>		25 basis points is an annual fee of 0.25%.<br>
	~~The following classifications are stolen from Wealthfront and Acorns<br>~~

	~~==Robo-Investors==~~

	~~===Wealthfront===~~
	~~{{main \| Wealthfront }}~~
	~~; [https://www.wealthfront.com/c/affiliates/invited/AFFA-BMT8-AIJ3-FS7E Referral]<br>~~

	~~; Cash Account~~
	~~Wealthfront offers a cash account.~~
	~~This account is distributed between up to several banks so it is FDIC Insured up to $3 million <ref name="wealthfrontfdic" />.~~

	~~==References==~~
	~~{{reflist\|refs=~~
	~~<ref name="wealthfrontfdic">https://www.wealthfront.com/blog/wealthfront-fdic-insurance/</ref>~~
	}}

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