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This is Opt finance daily episode 410

Should I pay off debt or invest by Chris writing of Chris writing.com

And I'm your host and narrator Dan a happy Friday to all of you out there in podcast land

This is of course the show where I read to you from some of the best personal finance blogs on the planet.

And before we get to today's post, if you want to show some support for what we're doing here, come by old podcast.com slash support.

And there you're going to find a bunch of ways that you can help us out, both financially

and otherwise. And anything listed there would be greatly

appreciated. Now let's get to our post as we optimize your life.

Should I pay off debt or invest by Chris Rining of Chris Rining.com

Today's question comes from Colleen. She asks, quote, I'm 22 and I recently started my first job out of college as a nurse.

The place I work is at a non-profit and they offer a 403b, not a 401k.

So I decided not to put money in that account since after a year they will put in 7% automatically, and instead to open a Roth IRA at Vanguard.

I've decided to invest in an S&P500 Index fund and I'd ideally like to put the max in every year

but I have not opened the account yet and I am worried about having to put a large sum of money in right away

as my savings doesn't really look like much right now.

I'm wondering if you know whether I can put small amounts in at regular intervals or if they require

me to put in more money all at once.

...