I'm single, under 35, no plans to go to school, and would like to contribute to my retirement $20k+ pretax dollars each year. My company currently isn't offering a 401k, but will in a year/year and a half. For the time being, what is my best strategy in saving for retirement?
From my understanding I can contribute pretax dollars to the following accounts.
IRA max contribution is $5,500 (2015 number)
HSA max contribution is $3,350 (2015 number)
Is there anything else that I can do?
I was thinking of putting the remainder in a taxable account, but I don't know if I should keep that account open once I get access to a 401k. With that said, I feel like it would be too risky to withdraw the entire balance in a couple of years. I won't necessarily need the money, I just don't know if keeping it in the brokerage account long term is a good idea.