Hi so I am 20 years old and have about 20k in a taxable brokerage account, I use margin here and there when there’s a drop in the market and mainly buy up NVDA and META when they drop and sell with a 3% gain each time and rinse and repeat. I have made around 4k over 2025 by doing it and learning more with it. My question is would it be smarter for me to just be investing my money into a roth ira at this age and letting it build over time or just keep doing what i’m doing and push for an earlier retirement through a taxable account, i contribute about 10-12k a year into my taxable account and the amount i’ll invest each year will go up as I get older