Buy SPY by Jan 31, 2046.

https://imgur.com/a/mwxbQzE I’m 38. I opened a Roth IRA about 3 years ago. I maxed out 2025 and plan to max it out 2026. The earliest I will retire is 10 years from now but will realistically be 20 years from now. I will have a pension. The BRKB and SPY positions i purchased my first year. I did not know about Schwab’s funds. I am not too hung up on getting the sector percentages perfect, i just want growth with …