DIYFi Advisors

    For recent grads

    First real paycheck? Set it up right once.

    Roth IRA, 401(k), taxes, and your first investments.

    Book a free 30-minute consult$99/session · 3-session minimum

    Nobody hands you the instructions

    Everything arrives at once

    You start a job and the decisions pile up. None of it is hard once someone explains it, but the defaults are rarely right, and leaving them alone compounds for years.

    Roth or traditional?

    Which one fits your tax bracket now, and whether you can use both.

    Your 401(k)

    How much to put in, how to get the full match, and what to pick from the menu.

    Taxes and your W-4

    Why your paycheck is smaller than the offer, and how to avoid owing in April.

    Investing basics

    Index funds, compounding, and why simple usually wins.

    Emergency fund

    How big it should be, and where it earns the most while it waits.

    Student loans

    Which balance to pay first, and when it makes sense to invest instead.

    Your 3 sessions

    What we will cover

    Every session ends with something done, not just discussed.

    1. 01

      Map your paycheck

      Income, taxes, expenses, and debt, so we know where every dollar goes on payday and what is left to work with.
    2. 02

      Set up your accounts

      Your 401(k) contribution and fund picks, a Roth or traditional IRA if it fits, and your emergency fund, done together in the session.
    3. 03

      Make it automatic

      A loan payoff order, automatic contributions, and a short checklist for raises, bonuses, and your first tax season.

    Roth IRA growth

    What starting now is worth

    A Roth IRA grows tax free. The biggest variable you control is when you start.

    Roth IRA growth to age 60

    The 2026 IRA limit is $7,500 a year, about $625 a month.

    A long-run assumption, not a promise. Real returns vary a lot year to year.

    Balance at 60
    $632,632
    You put in
    $133,200
    Growth, tax free
    $499,432
    $171k$342k$512k$683kage 23age 42age 60

    BalanceWhat you put in

    Starting at 33 instead of 23 leaves roughly $343,825 less at 60, from the same monthly amount.

    Illustrative example, not a client result. Not tax or legal advice. Assumes level monthly contributions and a constant 7% annual return compounded monthly, with no fees. Roth eligibility has income limits. Actual results will differ and can include losses.

    FAQs

    Start with a free 30-minute consult

    Tell me what your situation looks like. If you do not need help, I will tell you that too.

    Book a free 30-minute consult