I have a 401k that I max out and a brokerage account - do I also need a Roth IRA?

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Yes. Order should be:
- 401k match
- max Roth IRA (and HSA if applicable)
- max 401k (if good investment options)

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You can also back door Roth if your income is too high to make regular contributions.

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Let me rephrase this question for you:

“Should I pay taxes that I don’t have to?”

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More like "Should I take a tax free growth handout that the government gave me?"

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No reason not to if you have the funds, can always pull out contributions tax and penalty free later if needed.

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I need someone to walk me through how to do back door Roth- is this something your typical local bank Ofc would do or do I have to pay an investment advisor?

You can easily do it online at Vanguard. Other similar providers probably make it easy as well. You shouldn’t have to pay someone for this.

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Probably a stupid question for most of you, so apologies: if I invest $10k in stocks/bonds combo, make $400 profit, and decide to withdraw 10k after 4 months. Do I pay taxes on that or taxes kick in once I go above the amount of $ I invested?

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Hello, Trust we are good.
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Daily Dordle 0146 X&2/7
⬜⬜⬜⬜🟨 🟩⬜🟨⬜🟨
⬜🟨⬜⬜⬜ 🟩🟩🟩🟩🟩
🟩⬜⬜⬜🟨 ⬛⬛⬛⬛⬛
🟩🟨🟨⬜⬜ ⬛⬛⬛⬛⬛
🟩⬜⬜🟨🟨 ⬛⬛⬛⬛⬛
🟩⬜🟨⬜🟨 ⬛⬛⬛⬛⬛
🟩⬜🟩🟩🟩 ⬛⬛⬛⬛⬛
Pleased with the right side - bummed about the left. 🤷🏼‍♀️

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Sunday Daily Quordle 160
6️⃣9️⃣
5️⃣7️⃣
quordle.com
🟩⬜⬜⬜⬜ ⬜⬜⬜⬜⬜
⬜⬜⬜🟨🟨 ⬜🟨🟨⬜⬜
⬜⬜🟨⬜🟨 ⬜⬜⬜⬜⬜
⬜⬜⬜⬜⬜ ⬜⬜🟨⬜⬜
⬜⬜⬜⬜⬜ ⬜⬜⬜🟨🟨
🟩🟩🟩🟩🟩 ⬜⬜⬜⬜⬜
⬛⬛⬛⬛⬛ ⬜⬜🟨⬜⬜
⬛⬛⬛⬛⬛ 🟨🟩🟩🟨⬜
⬛⬛⬛⬛⬛ 🟩🟩🟩🟩🟩

⬜⬜🟨⬜⬜ ⬜🟩⬜⬜🟩
⬜🟨🟨⬜⬜ ⬜⬜🟩⬜⬜
⬜🟩⬜🟨⬜ ⬜⬜⬜⬜⬜
⬜⬜🟨⬜⬜ ⬜🟩🟩🟩🟩
🟩🟩🟩🟩🟩 ⬜⬜⬜⬜🟨
⬛⬛⬛⬛⬛ ⬜⬜⬜⬜⬜
⬛⬛⬛⬛⬛ 🟩🟩🟩🟩🟩

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