Do you save money slated for retirement outside of your workplace retirement accounts? I do but find that a lot of people don’t.

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Yes, I have a Roth IRA account through my bank.

I have a Roth IRA and a Traditional IRA outside of my 401k. Those are funded from rollovers from past retirement plans plus annual contributions.

Yeah I do too. I max out my workplace accounts, but I also save in a Roth IRA and an individual brokerage account. It’s surprising how many people rely solely on their 401(k). Diversifying where you save gives you more flexibility and control over your money.

Yes. There are better options for investment outside of work however funding those accounts can be tricky without a plan. I was fortunate enough (or maybe not) to not have a 401k option in my early 20s so I have been funding my private retirement account from the beginning of adulting.

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