What should non-wealthy investors be doing in their 30's to have a real, positive impact on their financial situation?
So I don't make that much money, and neither does my wife. Like for sure less than 100k each in a high-expense region. I always feel like investors on Reddit have hundreds of thousands of dollars to throw at this, and I just do not.
However, I want to make the absolute most of the money we do have to save and invest, and I feel like I'm doing a pretty good job so far. I opened my Roth IRA in 2023 and I'm up 270% since then. My wife's is up 40% over the last year (made hers much more recently). My personal brokerage is up 250%. Despite all this, the total of all those accounts combined is less than $20,000 because we can only afford to invest so much per month.
I guess my question is this - am I on the right track here? Should I be trying to learn how to trade options? People here talk about investing their money in JEPQ and paying off their mortgage that way...if we invested every dime we have we'd make like $2000 per year. How much money do you guys have?!?!
Non-wealthy homies out there, what do you do with your money/time in the investing space? I'm just looking for a different perspective I guess.