I would just aim to max out your Roth IRA at least one time in your life, especially with the limits at $7,500 for younger people and $8,600 ("catch-up") for those 50 or older. With the contribution limits at new highs this year and probably rising every 2-3 years from here on out it's never been a better time to use the Roth.

You can also make trades tax free inside the Roth which is another small loophole if you want to maximize the money in there. Since they got rid of the PDT day trading rules you can do pretty much whatever you want even do options, with no tax consequence.

There are tons of safer and slower investments that people swear by like the VOO, Vanguard S&P 500 ETF, which is already up 13% YTD. But I don't wanna wait 30 years to retire man I wanna be rich now lol. I've just opened my Roth this year in May but already maxed it out and full ported into CHPY. This week paid $65.88 in dividends which went right into purchasing more CHPY. Even with the recent chip stock volatility the dividends outweigh any short term paper losses - I've received $478 in dividends on this retirement account since opening it. As long as we don't see a nuclear meltdown in stocks this could become a very lucrative position.