Hello, I am a 20 year old and I have both a Roth IRA, and a regular brokerage account. I have been riskier in my brokerage (individual stocks, options, crypto), and more conservative in my Roth (Etfs, and dividend stocks). Like the title says I hear different people say be riskier in your Roth because you don't have to pay taxes on that, and I hear other people say no make riskier investments in your brokerage because you can deduct losses from your taxes. Which one is better/ makes more sense for a 20 year old who plans on hopefully retiring early?