Both taxable brokerage accounts and Roth IRAs are important for different reasons regarding accessibility and tax treatment.

“I think both are different both are important for different reasons.”

Building both a brokerage account for shorter-term flexibility and a Roth IRA for long-term tax-free income is a beneficial strategy.

“So building up both a brokerage for the shorter term and then that Roth for the longer term. Um couldn't have said it better myself.”