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REDDIT

25 YO investing with 120k ish

H
Jan 4, 2026 · 11:22

hi all,

currently i’m 25 and i have around 120k ish in cash, (112.5k in HYSA and like 6k in Checkings) i’m looking for advice on how I should DCA into the market? Currently Im making 2.5k biweekly after taxes and 401k contribution, and I was thinking maybe putting in 1k a month split between VOO/QQQM.

My current investments are just my ROTH IRA at 32.7k, just maxed out 2026 and 66.6k in my 401k, just putting as much as I need for company match.

Any advice will be appreciated.