I had been wanting to open up a Roth IRA account since I was in my early 20s, and had the money to do so, but I was always afraid of investing my money (still am). I finally bit the bullet at 27 and opened an account with Fidelity and contributed the maximum for 2025 and will continue contributing the maximum every year. I am thinking of investing that money in a target fund or something safe that will grow steadily over time.
I am wondering if I lost out on a lot of earnings since I waited this long? Considering my friends and siblings started right after high school