Q&A: Cashing Out The College Fund, Discretionary 401(k) Match, & Shopping Financial Advisors
Rich Habits Podcast
What To Invest In As An 18-Year-Old Starting Out
Gabriel asks what to invest in with a Roth IRA and small wages; Austin and Robert recommend systematic contributions, low-cost ETFs like S&P and NASDAQ splits, boosting income, side hustles, and small crypto exposure.
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!
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💸 Want to invest into SpaceX, Perplexity, xAI, MrBeast, Graza, Acorns, and other category-defining companies alongside Robert and Austin?
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❓ Ask us questions for our Q&A episodes – @richhabitspodcast on Instagram
📬 Inquire about working together – christian@witz.vc
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Disclosure: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 10/30/25, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
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