The amount of ppl who really just out here with no savings, ROTH, 401k, just nothing is scary. Idc if it’s $20, put it in a Roth, HYSA, 401k, something! Teach your kids financial literacy.
God is soooooo good. i prayed for everything i have now. it took YEARS but i absolutely adore the world that i built for myself even with the challenges.