You learn right here. Asking questions and reading the wiki.

https://www.reddit.com/r/personalfinance/wiki/investing/

You don't go to Robinhood.

You probably don't need a financial planner.

Sure thing. I suggest just using the traditional (pre tax) 401k, then going to Roth IRA, then back to traditional 401k

Here's some reading, if you have the time:

/r/personalfinance/comments/10qwnrx/why_you_should_almost_never_contribute_to_a_roth/

For your previous 401k: only roll it into your Roth IRA if it was Roth 401k money. Otherwise, rolling into your current employer 401k is a fine choice.

For your current contributions: the standard advice is to go in this order:

1. 401k up to the match
2. Roth IRA up to the limit
3. 401k up to the limit

Also -- for your piece of mind, if you change jobs, you'll be able to roll over this 401k money to another job, or an individual traditional IRA.

Ideally, you probably want to even save more for retirement -- 15% if you can swing it.

You can diversify in terms of tax strategy by putting your additional retirement savings in a Roth IRA.

Check out the flowchart on this page, it has a lot of other good advice:

https://www.reddit.com/r/personalfinance/wiki/commontopics/

Yes, you should still contribute. The tax benefits alone on your money makes it worthwhile.

yeah, that's a good match.

your 7% is always your money.

They'll match 125% of 6% = 7.5% of their money goes to your 401k, but it's not really your until you're vested (12/19/2024).

A target date fund is a great place for your money, assuming it has a low expense ratio. Schwab Index target date fund is probably fine. It's a single fund that contains all the diversity you need -- you don't need to invest in other funds.

Each purchase is its own bond. You can purchase up to $10k per year person.

Term life insurance is best used to support people who depend on your income to survive, not to leave an inheritance to adults.

If you're already in your 20s-30s, you may already not rely on your parents income, and 30 years from now you really shouldn't be relying on their income.

If your parents want to leave something to their heirs, they should be investing -- that money can be used if they need it in their lifetime, and can be left to you adult children if they don't need their own money.