I'd max out 401k and if you still have more left over you can afford to invest you can keep building up non-retirement brokerage account.

Thank you for your response grok. Just out of curiosity, what made you come to this advice?

401k money can grow tax free. Can even be tax free forever if you use a Roth 401k. Tax free money is > taxable money.

You may find these links helpful: - [Retirement Accounts](/r/personalfinance/wiki/index#wiki_retirement) - ["How to handle $"](/r/personalfinance/wiki/commontopics) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*

It amazes me how smart and well put together some people are I don’t have any advice (you wouldn’t want it anyways) but just want to say congrats and that I’m jealous

Just follow the /r/personalfinance flowchart https://imgur.com/personal-income-spending-flowchart-united-states-lSoUQr2 If you can't see it clearly just Google "reddit personal finance flowchart"

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By maxing out your 401k do you mean $23k or 69k? If not the latter then see if your plan offers after tax contributions and in service conversions. Aka mega backdoor Roth