What next after IRA and no employer-sponsored plan?

Hello! I transitioned to a new job in March that doesn’t offer a retirement plan. Currently, my retirement savings is all held in Vanguard where my previous employer offered a 403b with a match, and where I have 2019 and 2020 fully-funded Roth IRAs. Just curious to know what the next step would be to continue saving for retirement, as I’m currently hoarding a bunch of money since it isn’t being taken out from each paycheck. Is the next step now to open a brokerage account?

Hey Gina!

If you have a health insurance plan that is HSA compatible, I’d definitely consider opening, funding and investing inside of the HSA. Otherwise, you might be down to the “taxable brokerage” account stop of the priority list. That’s basically where I’m at too. Most of my money is in a taxable brokerage account because I’m not eligible for the others. Here’s a post explaining the priority order of the different accounts!