I have $10,000 in recent earnings that I want to invest. As a full-time student with two part-time jobs I make some money and want to invest it. My default--be risk averse and generally focusing on lower costs--has always been to put extra towards my house. With the extra I pay each year it will be paid off in 6-years and being under 3% APR I feel I need to focus on investing my money. This year I already put $5,500 towards my Roth IRA. Being part-time and not salaried I don't have access to a 401k. I'm in my late-20s I haven't put much towards retirement savings because I have been mostly a contract worker and elected to put money towards my house. So, I currently have $40k in an IRA and $5,500 in my Roth.
Is it stupid to be thinking of putting this $10,000 into taxable accounts? I completely plan on maxing out my 401k and Roth when I am out of school with a salaried job but in the meantime I'm thinking 1) putting my future money into retirement will be enough, I also want to start saving money I can use before retirement if I want to turn my future FI to FIRE. Advice?