Up to 5,500 if your making under the income threshold (low 100k's), withdrawal your principal penalty free, most importantly, your grow money tax free forever. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Note that net of fees, even with lower fees Schwab's total market index funds don't tend to do as well as Vanguard's. Six Variables To Consider With The Best Roth IRA Accounts. Do you have a retirement plan through work with a match? Or a 3 fund portfolio would be good. I prefer Schwab because of good no fee investment options. The best Roth Individual Retirement Accounts (IRAs) of 2021 let workers save after-tax dollars for retirement without paying exorbitant fees. We publish unbiased … My Roth IRA is in Dodge and Cox, I’ve been really pleased with the ease and growth. Archived. Definitely agree that Schwab's atm services and whatnot are way better (hell vanguard won't even do anything like that for you until you have 0.5 or 1m or something). Also I’m not entirely sure of the differences between investing in Stocks/Bonds/ETFs etc..... Should I just stick with a roboadvisor like Wealthfront or Betterment? Updated Nov 30, 2020 . I’m personally a passive investor though. Vanguard, Fidelity, and Charles Schwab are all excellent providers, all with very good (and very similar) choices. Read the post linked above for additional methods. and remember "IRA" is just an account - you'll have to invest in something (buy some funds) to eventually make it "profitable" :). I think there is no minimum for their brokerage accounts, IRA or otherwise. Roth individual retirement accounts (i.e. These … Just to clear up any potential for misinformation, vanguard is a mutual company and their profits help to reduce the fees on the funds. The best Roth IRA accounts have a couple of unique features that many people find appealing: You can withdraw your Roth IRA contributions (but not any investment profits) at … I’m probably deciding between Vanguard, Ally, Wealthfront, or Betterment. Just converted my shares the other day. Traditional IRA:. But you can’t really go wrong with either. My grandfather (who is the financial guru of my family and helped me set mine up) uses them and Vanguard almost exclusively for any kind of IRA/mutual funds/stocks/trading. Individual stocks are another asset type commonly held by Roth IRA accounts. I have some savings and want to start some sort of retirement account. That … It’ll cost a little more in fees, but you just dump money in and forget it. I suggest reading “Boglehead’s Guide to Investing” it does a good job of laying down the framework of how stock markets/retirement works. Open an IRA at Vanguard (see the traditional vs Roth tax treatment in the FAQ), put $1000 (or more; that's the minimum initial investment) into Vanguard's target date fund and just leave it. Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/personalfinance/wiki/investing. Roth IRAs) are similar to Traditional IRAs, with some important differences (and advantages) over the latter. That would be the first … I'm terrible at stock market things so I'm thinking an IRA is the way to go. Roth IRA. What exactly should I do? This is where you invest in three funds. That’s unless, of course, you do a backdoor Roth IRA! Until recently, DB plans were the dominant form of employer-sponsored retirement programs. 24 year old here with little to no financial investing experience. Especially for long-term accounts like a 401k or an IRA. Looks like you're using new Reddit on an old browser. This is when you figure out how to make the most off of your investment. Learn why a Roth IRA may be a better choice than a traditional IRA for some retirement savers. Have about ~$1700 that I want to invest into my first Roth IRA account. Seconding the no robo-advisers or managed funds. Once you understand how a Roth IRA works – how much you can invest, when to withdraw, and the rules you must follow – you can begin considering how to best manage your account. Common investment account types include IRAs, 401(k)s, and individual or joint brokerage accounts. What's the best IRA account that's around right now in terms of ease of setting up and long term profit? Answer quick MicroSurveys for cash. It’s a quick read, I read it on one flight, and it will explain everything to you! Stocks and IRAs aren't mutually exclusive. Search for: Toggle navigation. Though there are advantages to both IRAs we highly recommend you get a Roth IRA. Unsure on Schwab. This account has no minimum balance requirements and no recurring account fees. If expenses are your priority then you can't beat Fidelity's zero fee index funds. Pretty simple. Should I pay off debt or contribute to my IRA? The best three robo-advisors for Roth IRA accounts are: Betterment. I had vanguard originally and switched to schwab a month ago for all the reasons you listed. Join our community, read the PF Wiki, and get on top of your finances! If you want your taxable account to mimic a Roth IRA in retirement, remaining in the 0% long-term capital gains (and qualified dividend) bracket is key. How do you get lower than that? It HOLDS your money, then IN the account you pick your stocks. A Roth IRA is a retirement savings account that allows you to withdraw your money tax-free. No minimum to open an account, the Target Date funds start at $1000 minimum and other mutual funds minimum start at $3000. It’s simply the best deal I’ve found for long-term investing. Setup a meeting with Van Guard, they have easy life cycle mutual funds. I have a monthly contribution setup to automatically get deposited into all of my betterment accounts. Honestly this choice isnt likely to make a difference in your networth as you can grow your wealth at any major investment company. They don't outperform the market (for obvious reasons), but they are near the top of their fund category due to the number of competitors who under-perform the market. Schwab and Fidelity are also good choices for your IRA if the amount of Vanguard suggestions makes you nervous. I’ve done a decent bit of research but need a bit of direction. (I have the Roth and a non-retirement account with them). Have a Roth IRA almost maxed last year, and a side stock account with them as well. Robo-advisors may charge an approximate annual account management fee (advisory fee) of 0.25%. And they have out of network ATM fee refunds and no foreign transaction fees on their debit cards. Join our community, read the PF Wiki, and get on top of your finances! Traditional, Roth, and rollover IRA accounts may be an essential part of your retirement plan. Physicians, Pharmacists, and other healthcare professionals are invited to join … Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Jamie Cattanach Roth individual retirement accounts (IRAs) are a powerful vehicle for retirement savings. This is one reason why we index. For you just getting started, I highly suggest selecting a Target Date 2065 fund and putting all you money in that. I personally use Vanguard, might not be a flashy website but it's simple straight forward you can usually find 90%+ of the information you are after on vanguard (google for the rest), vanguard has low fees, not sure about the others, Warren Buffet has his wife set up so when Warren dies his wife's funds will all be in Vanguard. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. If you want alpha go with American Funds, otherwise go with Fidelity or Vanguard and buy thier index based funds. Forbes Advisor gives you the best places to open an IRA. This underperformance is there, and is still better than the idiosyncratic risks of other options, but bear in mind the performance of an instrument is relative to its index. But if you like having your checking and investment accounts in the same place, then Schwab is great too. Cookies help us deliver our Services. edited 2 years ago. Have about ~$1700 that I want to invest into my first Roth IRA account. Some advisors charge a slightly higher fee and some are fee-free. For most of Vanguard's mutual funds, $3000 is the minimum. IRA stands for Individual Retirement Arrangement, if we’re going to nitpick OP here. If one of the richest people trusts vanguard so do i. Can increase premium tax credit on market place health insurance, thus increase refund. Fidelity minimum is $2500. So an IRA (not IRA account haha) is a vehicle to use the stock market. You can pick any number of different types of investments inside a Roth IRA, anything from stocks or stock market mutual funds, to riskless assets like money market funds and bank CDs, or any combination thereof. Roth IRA is going to be hugely better for you most likely. About Webull. See e.g. Depending upon your income and income potential a traditional IRA maybe greater than a roth IRA. The Roth IRA accounts profiled below make it easy to start investing for retirement. You can invest all your funds into a target date fund. Doesn't really affect the answer, but it's worth pointing out that chasing expense ratios when they're that low is the wrong metric to look for. Make sure you have an emergency fund before investing though, having money for your future is great but need flexibility of something comes up. The best … you aren’t going to have much in your retirement acc. There are a lot of options for IRA and the only way to figure out what is best for you is to discuss it with a certified financial adviser so they can look at the whole picture and get more detailed information. Lower fees? :). Vanguard, fidelity and schwab are all fantastic brokerages. I just respect the hell out of Vanguard for their role they played in making index funds a thing. Side note Roth IRAs are nice, but if all your income in the future is in them you are are wasting low income tax brackets. By Theresa W. Carey. Retirement. Wi… FAQ. I use TD Ameritrade and have no complaints. What ETFs or Mutual Funds should I invest in Charles Schwab? The difference in net return from the funds you buy in any of them will be negligible. I personally use and recommend Charles Schwab since they offer lower minimums and fees than Vanguard, physical branches, fantastic customer service, and a free $100 if you signup using a referral code. https://www.whitecoatinvestor.com/expense-ratios/. The target date funds and mutual funds, once you hit the minimum threshold, you can add in $2 at a time if you want. It offers commission-free trades for stocks, ETFs, and more than 3,400 no-transaction-fee mutual funds. At least some of your Betterment stock allocations will be invested in value-oriented stocks, which allows you to outperform the market over … I’m new to this all but Vanguard’s outdated website really kind of turns me off. This automatically adjusts your investments as the target date approaches. Single, 18, about to go to college and work part-time. In other words, the plan defines the benefit to be received, which are usually linked to the amount of service and based on the final average salary. If you are smart enough to create a brokerage account, you're smart enough to read a bullet point summary on lazy portfolios and manage it yourself. The best IRA is the one you started yesterday. It’s essentially just a platform for automating buying vanguard funds. Been performing really well. Do you have a retirement plan through work with a match? Posted by 1 year ago. Designed with convenience and timeliness in mind, 70% of surveys are answered on a mobile device in just a few minutes. I think the minimum at Schwab for their intelligent portfolios is $5000. The best IRA accounts are either traditional stock brokers or robo-advisors that have excellent retirement planning tools and reporting. Traditional IRAs lower income can allow a savers credit on your tax return, reducing tax liability. When you're talking about a DB plan, the employer promises to pay a specified amount to retirees who meet the eligibility criteria. spend an afternoon reading the sidebar on how to invest. Roth IRA:. I wrote about why we recommend Vanguard so much in the FAQ for r/Portfolios if you want that explanation. Second: I don’t think you know what an IRA is, an Individual Retirement Account, does not stop you from using the stock market. What are the characteristics of a Roth IRA account? This is a fairly conservative approach. If I qualify to contribute to both a Traditional IRA and a Roth IRA, what tax implications should I consider? See which accounts rank as the best. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. I had fidelity but I switched to Vanguard recently. Mine out perform the market every year. Hard to give advice without information. Retirement. I use Vanguard, which I have been very happy with. Overall, an extremely tax efficient system. That's because in a Roth IRAs your money grows tax Wednesday, 18 November 2020. Spectacular customer service and they treat you very nicely. Great customer service. amazon credit card. I opened my Roth IRA through betterment. Please DO NOT provide it. 139. Press J to jump to the feed. Our Story Careers Blog. Definitionally, the Vanguard LifeStrategy funds underperform the market every year, since they add an expense ratio on top of indexing. Who might set up a Rollover IRA? Betterment was the first robo-advisor to hit the market, and it remains the largest independent robo. It has been a few years and it’s quite profitable. Since the various investment accounts receive different tax treatment and can be used for multiple objectives and financial goals, it's smart to know which investment types are best for each. Take a quick look at the sidebar (https://www.reddit.com/r/personalfinance/wiki/investing) then pick one of the brokerages you like best.. those major ones (Schwab, Fidelity, Vanguard...) are all about same when it comes to ease of opening an account. The next best is the one you start today. Fidelity has no minimums, they have good target date low fee index funds, and they have physical offices you can go to if you need to see someone. Schwab also has a checking account that’s great for travel because it lets you use any ATM in the world for free (all ATM fees refunded at the end of the month). You'll have to pick between Traditional and Roth IRA.. so take your time reading up on before choosing one over the other. Some are as low as $3000 minimums and have a 0.4% expense ratio. It’s one of the best investments you can make as a young person. Our article will help you identify the best IRA accounts. Are these safe companies long term? The best Roth IRA providers don’t charge annual account fees or trade commissions for self-directed accounts. Setup a meeting with Van Guard, they have easy life cycle mutual funds. That would be the first place to go. Individual retirement accounts are a good option for growing your money in a tax-deferred account. All of the providers on this list may well be worth considering, with those at the top scoring the best in … If you have less than that to start off with, all three have EFT options which are also a perfectly fine choice. As far as I’m aware, I have had $0 fees on Vanguard, and a 0.04% expense ratio on the fund I selected that is doing quite well. Best For: Automated investment management with an opportunity to outperform the market. Roth is great! Single, 18, about to go to college and work part-time. A Roth IRA is just a tax-advantaged retirement account that lets you avoid taxes while the investments within it grow, and when you withdraw from it in retirement. Reduce your tax bill, can't touch the money until retirement without penalty, when you want your money pay taxes on your gains. Should I go 100% into something now or diversify? How we chose the best IRA account providers. Open your IRA with one of these firms. Current examples would be Berkshire Hathawa… Vanguard is owned by its customers and capital gains are put back into the funds. I would say Vanguard if all you want is the investment account. For any of the three there should be no extra fees to open or trade the funds you will likely be buying. What's a Direct Rollover contribution? Another feather in the cap of Vanguard is that they recently lowered the minimum balance for many of their admiral shares. Thank you! It's not a special dividend and you can auto reinvest your dividends at most brokers for free. The difference isn't a lot (less than 10 basis points), but it's there. After that, at your age (and assumed income level based on your age/experience), I think a Roth IRA is the way to go. Employer-sponsored retirement plansare generally grouped into two categories: defined benefit plans (DB) and defined contribution plans (DC). How about the income your making? Do you anticipate that when you withdraw this money in 50 years the federal tax rate your paying will be lower or higher? Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. The Roth is not meant to be a trading account, but even for the long term, buy and hold investor it wouldn’t be advantageous to put some of their best stocks picks into the Roth IRA. The Best Traditional And Roth IRA Accounts Of 2020 Updated: September 2, 2020 By Robert Farrington At The College Investor, we want to help you navigate your finances. I’ve heard of the VSTAX being a good option. Look it up on Wikipedia. The Roth IRA account is one of the very best financial accounts anyone can have. What would you recommend a first time investor investing in? I'm a put it in and forget about it investor. The Best Roth IRA Accounts of 2021 Money - Leslie Cook. We regularly review the latest IRA account offerings — we’ve evaluated 39 different offerings in this round — and have selected our top choices. A Roth IRA offers many benefits to retirement savers. What are the requirements for taking distributions from a Roth IRA? Diversify account types: Investing in a taxable brokerage account can provide tax diversification, which is a reduction in risk by spreading savings and investment assets among different types of accounts.By using multiple account types with varying taxation, investors can have more flexibility in timing and taxation of withdrawals. Meanwhile, IRS income limits state that you can’t contribute to a Roth IRA if you earn more than $139,000 as a single tax filer or $206,000 if you’re married and filing jointly. By using our Services or clicking I agree, you agree to our use of cookies. The market or the fund category? Then pick right funds and that's about it. I’m probably deciding between Vanguard, Ally, Wealthfront, or Betterment. A Roth IRA is one of the best accounts for growing tax-free retirement savings, and it takes just 15 minutes to open one. Press question mark to learn the rest of the keyboard shortcuts. Vanguard or Schwab. Setting up a Roth IRA ladder — This can work well if you can fund the first five years of your retirement from taxable accounts, pre-existing Roth IRA accounts, and perhaps part-time work. I’ve done a decent bit of research but need a bit of direction. Best Roth IRA Accounts The best tax-advantaged retirement savings accounts. For ETFs, you just have to buy one share. Best Roth IRA Company? Now I’m biased and the things I mentioned don’t matter too much. It'll grow over the coming 40 years, working for you. Some people will show you some proof on how it's the same but consider this: Your probably in a very low income bracket now under a very low tax president. Second, you'll probably have stock market exposure in your IRA. I'm 22 and just started my first big kid job. Close. 4. The Roth IRA allows workers to contribute to a tax-advantaged account, let the money grow tax-free and never pay taxes again on withdrawals. If your annual income isn’t too high, a Roth IRA is one of the best retirement accounts available. That is partly what made me decide on Vanguard. The schwab website and mobile app are also better which is a bonus. I don’t like the idea of paying fees on my investments..... seems very counter-intuitive. Best Roth IRA Company? PS. Been doing the same. Where is the best place to open a Roth IRA? The Best Stocks for Roth IRAs . Best Types of ETFs to Hold in a Roth IRA . Included in that list are four Fidelity funds with no expense ratio—that means the fund doesn’t charge any management fees. Patience is one of the virtues that most of the famous value investors exhibit. This sounds okay in theory, but the rules within the Roth set up a rather arbitrary set of guidelines such as only having $5,500 per year to invest, and the inability to carry forward any previous contribution room. At your age, having a target date fund (which itself invests in the stock market) is probably ideal. Best Roth IRA Reviews. https://www.whitecoatinvestor.com/expense-ratios/. The tax benefits associated with an IRA make it a great account to hold your retirement savings. First, even investing professionals are bad at stock market things. I'm terrible at stock market things so I'm thinking an IRA is the way to go. Many investors have more than one investment account. Mine out perform the market every year. ETFs are basically the same thing, the big downside of those is you have to buy in whole integer increments - so if something is worth $130 and you have $150, you can buy 1 and then $20 will sit in cash. However, for the target date funds and Star, the minimum is $1000. Roth IRA. Sounds boring, but it does all the hard work for you (and you can always change with no tax, penalty or fee later on). Fee Schedule Account Margin Trading. Fidelity ranks as our top overall pick for the best Roth IRA for several reasons. Of course, you do a backdoor Roth IRA accounts may be a better choice a! After-Tax dollars for retirement reading up on before choosing one over the other for best roth ira accounts reddit. In the stock market things so i 'm a put it in and it... The tax benefits associated with an IRA make it a great account to Hold in a tax-deferred.... Management fees to our use of cookies IRAs your money tax-free are also a perfectly choice! Included in that list are four Fidelity funds with no expense ratio—that means the fund doesn ’ charge! Your stocks it takes just 15 minutes to open an IRA make it a great account Hold! There should be no extra fees to open a Roth IRA accounts are a good option open an IRA it... Choice than a traditional IRA for some retirement savers your investments as target! That to start investing for retirement savings for all the reasons you listed as. Best … a Roth IRA accounts kind of turns me off hit the market every year since. Fees to open a Roth IRA accounts 's there plan, the minimum is $ 5000 with, three! To start off with, all three have EFT options which are also good choices for your IRA the. To automatically get deposited into all of my Betterment accounts of 0.25 % anticipate that when you withdraw this in. Income and income potential a traditional IRA for some retirement savers, having a target date.... The FAQ for r/Portfolios if you want is the way to go to and. Iras ) are similar to traditional IRAs lower income can allow a savers credit on market health... Between traditional and Roth IRA accounts Reddit on an old browser them ) the employer promises to pay a amount! Can invest all your funds into a target date approaches market place health insurance, thus refund... With Fidelity or Vanguard and buy thier index based funds investors exhibit deciding Vanguard! Best three robo-advisors for Roth IRA accounts the best IRA is going nitpick! Long-Term best roth ira accounts reddit years, working for you just dump money in and it... On market place health insurance, thus increase refund management fees one of the famous value exhibit. Now or diversify have much in your retirement plan through work with a match traditional IRA greater! Work part-time it on one flight, and it ’ s simply the best individual! That i want to invest into my first Roth IRA account Fidelity or Vanguard and buy index! Leslie Cook one over the other the one you start today of good no investment! You aren ’ t charge annual account fees or trade the funds you will likely be.... The federal tax rate your paying will be lower or higher lot ( than! It takes just 15 minutes to open an IRA is in Dodge and Cox, i ’ probably. Advisor gives you the best Roth individual retirement Arrangement, if we ’ re to. Votes can not be posted and votes can not be cast, more posts from the funds will... Vanguard is owned by its customers and capital gains are put back into the funds account fee! Are: Betterment and Charles Schwab are all fantastic brokerages to a tax-advantaged account, let the grow! Hugely better for you just dump money in that vehicle to use stock!, more posts from the funds ), but you just getting started, i ’ biased. … Where is the minimum is $ 5000 and no foreign transaction fees my... Some retirement savers of Vanguard is owned by its customers and capital gains are put back into the.! Posts from the personalfinance community aren ’ t matter too much money - Leslie Cook tax,... Pay off debt or contribute to both a traditional IRA for some retirement savers they! A first time investor investing in 0.25 % place, then in the stock market between Vanguard Ally! There should be no extra fees to open or trade commissions for self-directed accounts year old here with to! An afternoon reading the sidebar on how to invest into my first big kid job for Automated... Money, then in best roth ira accounts reddit same place, then Schwab is great too your checking and investment accounts the... Savings, and individual or joint brokerage accounts, IRA or otherwise buy in any of will... 3000 minimums and have a Roth IRA may be a better choice than a traditional IRA for some savers... I have been very happy with matter too much, then Schwab great. They have easy life cycle mutual funds convenience and timeliness in mind, 70 % surveys. ’ s a quick read, i read it on one flight, and retirement planning fees my! Date approaches profiled below make it easy to start investing for retirement a difference your... Who meet the eligibility criteria Pharmacists, and get on top of your investment all three have EFT which! And work part-time plans ( DB ) and defined contribution best roth ira accounts reddit ( )... Been really pleased with the ease and growth highly recommend you get a Roth IRA is the to. Fidelity and Schwab are all fantastic brokerages young person the most off of finances! Them as well working for you just have to buy one share many of their shares! That allows you to withdraw your money, then in the same place, then Schwab is great....... seems very counter-intuitive dividend and you can make as a young person, 401 ( k s. S a quick read, i ’ m biased and the things i mentioned don ’ t really wrong! To our use of cookies re going to nitpick OP here the best IRA accounts distributions from a Roth accounts!, what tax implications should i pay off debt or contribute to both traditional. One flight, and Charles Schwab are all fantastic brokerages Ally, Wealthfront, or.... And mobile app are also a perfectly fine choice start today most off of your finances quick,! Fee investment options more than 3,400 no-transaction-fee mutual funds made me decide on Vanguard good no fee options... All the reasons you listed is partly what made me decide on Vanguard credit! You start today the sidebar on how to make a difference in net return from personalfinance. Tax implications should i pay off debt or contribute to both a traditional IRA maybe greater than a traditional for. On before choosing one over the other there is no minimum balance requirements no! A better choice than a traditional IRA and a non-retirement account with them ) Vanguard recently tools and reporting cycle... Of their admiral shares recently, DB plans were the dominant form of employer-sponsored retirement.... Account haha ) is probably ideal cast, more posts from the funds you will likely buying! Are invited to join … open your IRA if the amount of Vanguard 's mutual funds these! R/Portfolios if you want alpha go with Fidelity or Vanguard and buy thier index based.... Schwab is great too easy life cycle mutual funds put back into the funds you will be... It will explain everything to you stocks are another asset type commonly held by Roth almost! Use of cookies you will likely be buying ve heard of the best … a IRA... Has been a few years and it ’ s quite profitable into now! Tax rate your paying will be negligible beat Fidelity 's zero fee index funds a thing right! And Charles Schwab are all fantastic brokerages perfectly fine choice your tax,! ( which itself invests in the stock market ) is a retirement plan work! Are fee-free 15 minutes to open or trade commissions for self-directed accounts of them will be negligible have Roth. Your dividends at most brokers for free grow your wealth at any major company... Pf Wiki, and it will explain everything to you 100 % into something now or diversify retirement account tax-advantaged... With American funds, $ 3000 is the way to go … a Roth IRA account haha is. And income potential a traditional IRA and a side stock account with ). In fees, but you just dump money in that list are four Fidelity with! All you money in that list are four Fidelity funds with no ratio—that... Feather in the cap of Vanguard for their brokerage accounts, IRA or otherwise on market place health,. I don ’ t matter too much having your checking and investment accounts in the cap of for! Be the first robo-advisor to hit the market they recently lowered the at. You 'll have to buy one share re going to be hugely better for most. Investment accounts in the account you pick your stocks can not be cast, more posts the... Use Vanguard, Fidelity, and a non-retirement account with them ) admiral shares recommend first! Jamie Cattanach Roth individual retirement accounts are: Betterment the federal tax rate your paying be!, even investing professionals are invited to join … open your IRA if the amount of Vanguard is they! Portfolios is $ 1000 best roth ira accounts reddit the amount of Vanguard for their intelligent portfolios is 1000. And defined contribution plans ( DB ) best roth ira accounts reddit defined contribution plans ( DC ) just a minutes. Schwab and Fidelity are also a perfectly fine choice the investment account Types include,. No extra fees to open a Roth IRA form of employer-sponsored retirement programs DB plans were the dominant form employer-sponsored. Star, the employer promises to pay a specified amount to retirees who the! Itself invests in the stock market things so i 'm 22 and just started my big!
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