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REDDIT

No one tells you how good it feels knowing you've maxed your Roth for the year.

C
Dec 7, 2025 · 21:23

28 yo, hit an income this year where I can max my IRA while also hitting my personal % of HYSA contributions as well. Such a great feeling.

For next year, would the optimal move be maxing the IRA and then open a brokerage account? I would guess that it is smarter to fill the IRA first for time in the market, and only after that would you want to put money into something taxable.