In fact, I am unable to even contribute enough to meet my full employer match (like most of the people in my office).
I said I don't have the luxury of investing meaningful amounts of money into potentially risky stocks/funds that only invest in renewable energies instead of broad market/whole market index funds that also include fossil fuel driven companies.
As far as tax-sheltered, it looks like 59-65% of Americans have access to a 401k [1], something like 3 million teachers will have access to a 403b, and those that don't have access to either are almost certainly eligible for an IRA.
I did no such thing.
In fact, I am unable to even contribute enough to meet my full employer match (like most of the people in my office).
I said I don't have the luxury of investing meaningful amounts of money into potentially risky stocks/funds that only invest in renewable energies instead of broad market/whole market index funds that also include fossil fuel driven companies. As far as tax-sheltered, it looks like 59-65% of Americans have access to a 401k [1], something like 3 million teachers will have access to a 403b, and those that don't have access to either are almost certainly eligible for an IRA.
[1] - https://www.cnbc.com/2018/03/12/how-many-americans-dont-have...