Thank you (and thank you, OP, for the thread), because I've been contemplating the same sort of thing and wondering why I have a taxable brokerage account at all. It USED to be because that was our emergency fund, but with two tIRA accounts and a Roth between my wife and I, I wonder if taxable is even necessary. We'll be sliding into full retirement in the next year or so, and considering the combination of small pensions and Social Security doing the heavy lifting, the need for a separate emergency fund no longer appears quite so urgent. It's just one of those things we've always had for a couple of decades that might need to be reconsidered.Assuming you can freely access both, Roth is better than taxable (as a corollary, Roth contributions are always better than taxable, because you can always freely access Roth contributions).
The emergency fund at this point is really just mental accounting, not so much a real life need, and this thread helps with my thought process, so thanks again.
Statistics: Posted by hammockhiker — Mon Feb 09, 2026 2:23 pm — Replies 5 — Views 296