I wish I learnt a few things earlier. like benefits of Roth IRA, why contributing to 401K is better even though the money is locked in until 60 etc.. felt incre

I wish I learnt a few things earlier. like benefits of Roth IRA, why contributing to 401K is better even though the money is locked in until 60 etc.. felt incredibly stupid not starting them both in 20s. wonder what other no-brainer things like these are there. if any, please do share