conversation: User (KerrickLong): "This a continuation of [Moronic Monday](http://www.reddit.com/r/personalfinance/comments/24rs1f/moronic_monday_20140505/). Anybody can post a PF-related question in a Moronic Monday thread and not get made fun or downvoted of for it. It provides a safe spot for asking questions you fear may come off as "moronic."\n\n**Make a top-level comment if you want to ask a question in a safe space! Don't downvote "moronic" questions!**\n\nA big thank you to the many PFers who take time to answer other people's questions!"
  Self: "I am fortunate to have a very lucrative job right now. I make too much to contribute to an IRA. I can backdoor Roth, but I don't believe I will make more in retirement than I do now. After maxing my 401k where else should I put my investments?"
  ArtificialNebulae (ArtificialNebulae): "You can start a taxable investing account. Assuming you're in the 25% tax bracket in retirement, you'll owe 15% in long term capital gains tax on investment gains, which isn't too bad.\n\nIf you can allocate accordingly, keep your tax-inefficient bonds in tax-advantaged accounts like your 401(k), and use the taxable account for low cost broad market stock index funds, which can be remarkably tax efficient."
  Self: "Is there anywhere I can read up on the tax advantages/disadvantages of certain types of holdings? (Like why bonds are tax-inefficient?)"
  ArtificialNebulae (ArtificialNebulae): "Sure is - The Bogleheads wiki has a great article titled [Principles of Tax-Efficient Fund Placement](http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement)."
  