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REDDIT

Excess money into taxable brokerage or HYSA to max out Roth IRA next year?

D
Sep 9, 2026 · 02:47

Looking for some opinions. I have my Roth IRA maxed for 2026.

I am currently setting aside a fixed amount of money from my monthly income to go directly towards my taxable brokerage account. I have some excess money that I am left with a month after budging my spending (excluding investments I’ve budgeted).

I am trying to decide whether to put this excess directly into my taxable brokerage, or put this into a HYSA in order to max my Roth IRA on Jan 1st next year.

Curious to what people think.