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 the
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
24M with good income with car loan paying 2.4% APR. Trying to allocate my money between brokerage account
assistant