You should join the Peace Corps

I don't want peace. I want problems, always

become a civil servant and retire like a pension daddy.

That's the dream, pal. Last time I had a cushy civil service job I had a bunch of panic attacks and was really sad all the time so I quit my job and moved to Montreal. Let's hope that doesn't happen this time!

You will impregnate one of the Peace Corps sluts and trouble will find you.

Which position was that?

what does that have to do with getting a raise?

I worked in a law library for two years

That was a civil service position?

I mean, I wasn't hired off a test but it was a permanent position in the public sector

(only permanent full time job I have ever had)

I’ve no doubt you’re qualified for a lot of jobs in civil service. If you do go that route I hope you find one that won’t heighten your anxiety. The one nice thing about it is once you’ve passed three years of service, you’re set. You could probably take a dump on someone’s desk and not get fired.

But it wasn’t permanent.

I already have seven years of service in the pension system. If I can get back in there within the next couple of years, max out my Roth IRA contributions every year, get my debts paid off within a couple years and start a 15-year mortgage at some point in the next decade, I don't see any reason why I couldn't retire at age 59.5. Maybe even start working part time at some point a few years before that.

As long as I don't impregnate anyone

I wouldn't worry about that

Your logic is pretty good, but you’ll want to diversify a bit. If you’re all in on a Roth (or any single market security) for the next ~30 years, you are super vulnerable to market risk.

lol Jorge

What would you suggest?

Costco gold bars

Not sure exactly, as I’m not an RIA nor do I understand your financial picture. But generally speaking, you’re entering the 80/20 advisable portfolio stage — 80% equities/20 bonds; and that could be slightly higher on the equities depending on your risk appetite.

But as the IRA is oriented towards retirement, and presumably the home is too, then you should maybe consider some alternative mid/short term equity investments elsewhere: Mutual fund or alternative index fund, maybe some short-term asset-backed securities like Rally Road or Masterworks. The IRA is probably where you want to allocate the majority of your investment capital; but you should buffer it with some alternative equities in case we go to war with China and your retirement fund goes into a tailspin.