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To actually start being accurate with your expenses. I'm not talking to anybody. But seriously,

you guys, you're going to start budgeting. And we had just enough money

to do one and two things. We could go to the beach for three days, or we could use the same money

to buy a couch. Oh, no, he chose the couch. Welcome to another episode of Money Guy React. Here's

the setup that the content team gave us. They have compiled a group of

humdingers that they claim we're going to like. Hey, Brian, I am so excited about this because we never

know what the internet is going to offer. Let's dive right in. On one of my first ever videos,

I received this comment about whether or not it was a good time to start and invest in a Roth IRA

in 2020.

If they had invested back then, they would have actually been up close to 35% today.

Newer investors usually have this hesitation because they're trying to figure out when the best time to enter the market is, but let me show you something.

Here the stock market returns for the past 30 years.

You can see that some years are definitely negative for sure, like in 2008,

but for the most part, they are in the green and positive. That means a $100 investment in

1992 would have become $1,141 after 30 years or a 9.5% annualized return. A Roth IRA is an individual

retirement account that grows tax-free, so you don't pay any taxes on the earnings.

And this year, the contribution limit was increased to $6,500.

You can open one at a brokerage, and then what you can do is just buy the Vanguard 500 index

ETF. That's ticker symbol VLO. And that is going to invest you into the top 500 stocks in the

United States. Brown, we love to say that the absolute best time to start investing was yesterday,

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