1. 401k up to employer match 2. Max Roth 3. A little more in 401k if you want 4. Brokerage so you can access whenever

10

I'm jealous of that salary. Well.. if you have an employer match, that's an immediate 50 or 100 percent return guaranteed that you won't get anywhere else, though employers who do that only tend to do it up to a few percent. Definitely take advantage of that. The 401k is also pretax. So it's a bigger amount that you get to immediately invest than post.On the other hand, there's an argument that if you'll likely be in a higher tax bracket further down the line, take advantage of the roth ira now.

6

I’ll make anywhere from 75-82.5k this year excluding very small commission bonuses totaling probably less than 1k. In my area that’s a pretty decent salary. I’m able to spend about 20-24k a year no problem and save everything else. Currently not bothering with an IRA because I’m doing 12% contribution on a Roth 401k with a 6% match (100%). I do a lot of investing on the side with my other savings and am up about 60k this year. I like the flexibility of being able to take it out and spend it

4

I would get the company match, then max out my ira before putting anything else in the 401k. The IRA won’t have the fees that a 401k has. Also, way more investment options.

2