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REDDIT

17 and investing in a taxable brokerage instead of Roth IRA am I missing something?

F
Feb 26, 2026 · 23:05

I know Roth IRAs are usually recommended, but I’m intentionally using a taxable brokerage. I want access to dividends and growth in my 20s and 30s, not money locked away until retirement. A taxable account gives me flexibility and the ability to use the funds if I ever want early financial independence.

I understand the tax advantages of a Roth, but it also comes with restrictions. For someone aiming for early FI or just more control over their money, is the standard Roth advice really optimal? Or am I overlooking something important?

Curious to hear perspectives.