Hello personal finance!  I'll try to make this short as possible...

I'm 24 and have a job which gives me around $70k/year with very good 6 month raises factored in my contract.  I am very happy and plan on staying here for a long time (as long as they have me!).  I have one car loan which I'm slowly paying off ($10k left @ ~2.4% APR), but that's the only debt I have.  Here's what I'm doing with my money:

- Vanguard 401K - my company doesn't match :(.  I'm currently contributing 6% of my income (3% pre-tax, 3% roth). 

- I have about 6 months of expenses saved into my savings account for emergencies.

- I have a brokerage account (mostly invested in mutual funds) that I haven't done much with.

I'm starting to accumulate more excessive money in my savings account (more than the 6 month emergency fund).  My original plan was to put any excess money into my brokerage account, but after reading this WIKI I was thinking about maybe opening up a ROTH IRA and maxing it out for the year, and THEN putting the rest into my brokerage account?  

This seems like a lot of accounts to have (401K, Roth IRA, AND brokerage account), but I wanted to double-check that this is a good idea?
user
Should I put any 'excessive monies' to my existing brokerage account, or open up an IRA (even
assistant
Hello personal finance!  I'll try to make this short as possible...

I'm 24 and have a job which gives me around $70k/year with very good 6 month raises factored in my contract.  I am very happy and plan on staying here for a long time (as long as they have me!).  I have one car loan which I'm slowly paying off ($10k left @ ~2.4% APR), but that's the only debt I have.  Here's what I'm doing with my money:

- Vanguard 401K - my company doesn't match :(.  I'm currently contributing 6% of my income (3% pre-tax, 3% roth). 

- I have about 6 months of expenses saved into my savings account for emergencies.

- I have a brokerage account (mostly invested in mutual funds) that I haven't done much with.

I'm starting to accumulate more excessive money in my savings account (more than the 6 month emergency fund).  My original plan was to put any excess money into my brokerage account, but after reading this WIKI I was thinking about maybe opening up a ROTH IRA and maxing it out for the year, and THEN putting the rest into my brokerage account?  

This seems like a lot of accounts to have (401K, Roth IRA, AND brokerage account), but I wanted to double-check that this is a good idea?
user
How do I best allocate my money management between a 401K, IRA, and brokerage accounts? What are
assistant