1. Taxable Brokerage Accounts

 • Open to anyone, no age or income limits

 • You can buy/sell stocks, ETFs, mutual funds, crypto, bonds, etc.

 • You pay taxes on capital gains and dividends Best For: General investing, short- or long-term goals

   Get invested

2. Retirement Accounts (IRAs)

a) Traditional IRA

 • Contribute pre-tax money (can lower taxable income now)

 • Investments grow tax-deferred

 • Pay taxes when you withdraw at retirement (59½ or later)

b) Roth IRA

 • Contribute after-tax money (no tax break now)

 • Investments grow tax-free

 • Withdrawals in retirement are tax-free

   Get invested

c) SEP IRA / SIMPLE IRA

 • For business owners or self-employed individuals

 • Higher contribution limits

 • Tax-deferred growth like Traditional IRA

    Get invested