Posts  / #POST-224949
REDDIT

Roth IRA + Traditional Brokerage Question

O
Apr 19, 2026 · 02:24

Hello all,

I’ve recently started buying into VTI in my Roth IRA. This obviously caps at $7000 a year and won’t be touchable till I am much older. I’m currently 36. I put 10% of all of my checks into my 401k with my employer matching 5%. I make $90,000 a year.

I have $25,000 in a HYSA, and $20,000 in a Joint HYSA with my fiancé for expenses on our house if needed. Ofc this includes none of her assets.

This may be a simple and obvious question, but does it make sense to be putting \~550 in the Roth account buying VTI every month, and also putting say $1000 or so buying VTI in a traditional brokerage account?

The goal being wealthy retirement. Thanks!