31m. Just started investing last week and got some positions. I’ll probably add a couple more etf or stocks in this current down turn and add to the ones I have but Am I diverse enough as it is? I make roughly 2k/month working,( about half of that to expenses)my tax bracket is low rn so just trying to build capital to make it worth putting in an IRA. Thanks in advance don’t pull your punches. Not planning to do options either.
You said you have $1000/mo in disposable income. The fund minimum on VFIAX is $3000. Do it. ROTH IRA style(after taxes, do not claim a deduction for this in your return) up to the max of $6500/yr. Since you're in a low tax bracket currently and presumably will have higher income and higher taxes later in life you want to pay taxes on this money now, not when you withdraw it. Any excess funds can go towards individual stock picks or in the equivalent ETF VOO (which you already seem familiar with).