Reddit Pulser/personalfinance
Roth IRA for 2026 and again in January 2027. That’s the first thing I’d do. You’re so young, it will have so much time to grow. But since you’re already doing that, I’d put half in a HYSA and half in a total market ETF at vanguard. Also, just because you can do 0 percent down on a home loan, doesn’t mean you should, especially with interest rates so high right now
The top-voted advice is patience: index funds and a cash cushion, since the bonus pays out over four years rather than all at once. The thread's sharpest pushback is on the VA loan, where 0% down looks free until high rates make the payment anything but.
