conversation: User (jrjonesjr1): "Just transferred IRA yesterday, thanks to /pf "
  Self: "Easiest, as mentioned is the target 2050. As far as returns go, look at $VDIGX, $VDC ETF, or any of the many mutual funds that track the S&amp;P (VIIIX, VFINX)."
  User (jrjonesjr1): "Thanks uni.  Will check it out.  What do you think about contributing to a brokerage account?  Would that be more advantageous than an IRA?  What are all taxes to consider?"
  Self: "IRA, 401k and Roth IRA are all tax sheltered, meaning you won't pay taxes on the gains (which is great for dividend stocks). I believe you only pay taxes on an IRA and 401k when you retire. With Roth IRA's you pay taxes up front and never have to pay again.\n\nA regular brokerage means your capital gains will be taxed, but you can withdraw that money any time. There are certain rules when it comes to withdrawing money from retirement accounts.\n\nIf you won't be touching this money for a long time, go Roth IRA route. You can contribute $5,500 a year then pad your other accounts, 401k, regular IRA if you have money left over. There are certain advantages to a Roth, which you should research yourself.\n\nedit: just saw your salary is 135k, which means your options are limited to a 401k or IRA, unless you want to do a "backdoor" IRA, which I'm not familiar with."
  User (jrjonesjr1): "Trying to get this straight in my head.  Let's say I have on one hand a traditional IRA with $100,000 and a brokerage account with $100,000.  On both of these, I contributed $50,000, and there are $50,000 in increases in both accounts.  I turn 60.  I withdraw both accounts fully.  What taxes to I owe?\n"
  Self: "you'll owe taxes every year on the brokerage, you pay one tax for the IRA when you turn 60."
  