In your shoes, this is what I'd do:
1. Max Roth IRA via the backdoor method. BUT, don't do this if you don't understand the process and how to do the paperwork. The paperwork trips up people regularly and this forum gets a lot of posts about it. Check the wiki page or the White Coat Investor's blog about the backdoor.
2. Put anything else you want to invest in a taxable brokerage account in low cost index funds. I'd lean toward total US market or large cap funds so they are different from what you have in the 401k.
1. Max Roth IRA via the backdoor method. BUT, don't do this if you don't understand the process and how to do the paperwork. The paperwork trips up people regularly and this forum gets a lot of posts about it. Check the wiki page or the White Coat Investor's blog about the backdoor.
2. Put anything else you want to invest in a taxable brokerage account in low cost index funds. I'd lean toward total US market or large cap funds so they are different from what you have in the 401k.
Statistics: Posted by tashnewbie — Wed Jan 14, 2026 9:45 am — Replies 5 — Views 321