Is it better to invest through HSA/401k/IRA or is it ok to take a simple approach and save a percentage of your income and invest in index funds?

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I do both.

I max out my Roth IRA and my HSA, contribute 15% of my salary to a Roth 401(k), I have 3 months of expenses saved for emergencies as well as some money for fun stuff (fan conventions, travel) in money market mutual funds, and am now starting to invest in some index ETFs as some long term investments that I can have access to in addition to my retirement accounts when I retire in 14-17 years.

Hope that helps!

Can you choose index funds in your 401k and IRA? Best of both?

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