My first real job was for a small independent consulting firm.
In fact, the company was so small we didn’t have an employee retirement plan. It was harder back then for a small business to have a 401k plan than it is today.
So I decided to buy a mutual fund from Vanguard. The only problem was the minimum to buy an index fund back then was $3,000. I didn’t have $3,000 because I didn’t make a lot of money …