Hello, I am new to this community.
My situation is I am debt-free, live pretty cheaply, and make a low to moderate income. I have little in way of investments besides a 401k that I am currently rolling into an IRA. After reading most of the articles on this website, I am still confused as to whether it is recommended to have both a retirement acct AND a brokerage acct. I am going for as simple as possible an approach (coming from basically having no financial discipline besides being naturally minimalistic).
So if you were me, dude in his early 30s with no debt, low costs of living, and about 15k sitting around in the bank, what would you do? Keep contributing to the IRA, or split investments between that and something more liquid like a brokerage acct?
I realize this question may seem to be the result of lack of my own research...but I actually have read a lot of the topic and find that my brain shuts down due to information overload. This site is the sole reason why I have regained an interest in my personal finances, but I am really trying to keep it simple to fit my rather simple situation.
If anyone can take the time to answer this question, or point me in the right direction (maybe a book or something?) I would really appreciate it!