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Which Investing Account is Best? (401k vs IRA vs Taxable)

What is the best investing account? A retirement account like an IRA or a simple taxable brokerage account? We are recommended retirement accounts SO often and for SO many people that they seem like the obvious choice for everyone. But the restrictions, rules, and limitations that come along with them actually make them a bad choice for some people. Speaking of bad choices...how bad is a taxable brokerage account really? It must be bad for taxes since its literally named a "taxable" brokerage. Lets do a little more digging and discover just how bad it is when we compare it to the competition! ⏱Handy Timeline: 0:00 Preview 0:10 Everyone recommends retirement accounts 0:33 Why we use retirement accounts 2:01 Personal confession 3:18 4 Reasons to avoid the simplest account 5:37 Using the money we invest 6:15 Using Roth IRA money 6:39 Using Traditional IRA money 7:06 Using 401k money 8:17 The problem with retirement accounts 9:00 The truth about taxable brokerage accounts 10:37 Example: $110k tax-free 12:30 The New Normal in Investing 13:45 2023 Long Term Capital Gains Brackets 14:17 The Strategy 14:47 The best way to get information 14:57 Which investing services I recommend 15:05 Secrets ===== The Investing Apps I Recommend: 👨‍💻Data made easy with Fennel, the superpowered investing app: Free trial without a credit card AND get 1-12 months free!: http://fennel.sjv.io/c/2906384/195947... 📈M1 Finance Investing: (Get $10-30 when you start investing today! To get it, invest at least $100 in an individual account or at least $500 in a retirement account) https://m1.finance/td-bpuTpiT9T 🐿Start investing with Acorns! Best app for beginners! Now get $20 when you use my invite link: https://www.acorns.com/brendan/ 📊Get 2+ free stocks with WeBull after you make a first deposit! (The best app for getting free stocks. Yes, actually free!) https://a.webull.com/i/BrendanEvan ==== Digital Products I made for you: Relationship Money Plan: https://brendanevan.gumroad.com/l/Rel... Net Worth Tracker: https://brendanevan.gumroad.com/l/ZCeXo Budgeting Spreadsheet: https://brendanevan.gumroad.com/l/Bre... New Investor Checklist: https://brendanevan.gumroad.com/l/Inv... Better Goal Template: https://brendanevan.gumroad.com/l/Goals Memento Mori Life Grid: https://brendanevan.gumroad.com/l/BFA... My Free Newsletter: https://brendanevan.substack.com/ My Early Retirement Projection Spreadsheet: https://brendanevan.gumroad.com/l/Ret... How I organize everything in my life: Notion! It’s free and absolutely incredible. (I only pay for the pro version to have more storage) https://notion.grsm.io/3914d4ff6nzn Morning Brew A free investing newsletter that's pretty fun to read and is short!: https://www.morningbrew.com/daily/r?k... (I read this every week while eating breakfast! It's starting to get more ads so that's annoying) ===== 🎥 Investing Videos: 🐿Acorns 1-Year Review! [And My Actual Returns!]    • Acorns 1-Year Review! [And My Actual ...   🔑 M1 Finance 2-Year Review (The Good, The Bad, and The Rating)    • M1 Finance 2-Year Review (The Good, T...   🎥Best Investing Apps for Beginners in 2021:    • The Best Investing App For Beginners!?   ❓What EXACTLY Happens to Your Money When You Invest:    • What EXACTLY Happens To Your Money Wh...   ===== 📚The 3 books I recommend most often: 📖1️⃣Atomic Habits by James Clear: https://amzn.to/3r5IXgS 📖2️⃣Financial Freedom by Grant Sabatier: https://amzn.to/3aDtf6j 📖3️⃣Your Money or Your Life by Vicki Robin: https://amzn.to/2NNFepS 📱🆓Free trial of Amazon Audible: https://amzn.to/3qdMHNh “As an Amazon Associate I earn from qualifying purchases” (It means Amazon pays me a small commission and it costs you nothing extra!) ===== #investing #financialfreedom #BrendanEvan Disclaimer: Any financial or investing-related topics discussed on this channel are not from a professional investment advisor and are not financial advice for you. This is for entertainment and inspirational purposes only. 🕰Make sure to check the time stamps to navigate to the most interesting parts easily. 🏎💨If I am talking too slowly, just click on the video settings option and look for “Playback Speed”. Changing this to 1.25x or 1.5x can make the video flow a little better if you want to pick up the pace! 📥Contact me here for business purposes: [email protected] Updated disclosure as of 4/9/24: Paid ad. Compensation provides an incentive to positively promote Acorns. The information and opinions presented are for informational purposes only and represent the views of the promoter as of the date created and are subject to change. Investment advisory services offered by Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at https://www.acorns.com/brendan/ and Acorns.com.