“Start by saving 15% of your salary at age 25 into a 401(k) plan, an IRA, or a taxable account. Put it into just three different mutual funds: A US total stock market index fund; An international total stock market index fund; and a U.S. total bond market index fund." - William Bernstein, M.D.
General observations only. Does not constitute tax, legal, or investment advice. Full disclaimer.