As a general rule of thumb, you’ll want to put income-generating assets (like bonds or high dividend stocks) in a retirement account so you don’t have to pay tax on the distributions. Additionally, it’s generally advised to put slower growth assets (e.g. bonds) in a traditional retirement account, and high growth assets (stocks) in Roth accounts if you have them. The reasoning is that you’ll pay taxes on withdrawals from the traditional account, but not the Roth—so you’ll minimize your tax burden by following this strategy, theoretically. However, if you’re like many mustachians, your annual expenses will be low enough so as to keep a nearly-0 tax burden in retirement. If this is the case for you, just going 100% traditional retirement account is the way to go, putting any additional savings into taxable brokerage accounts.