Thank you for your replies. Yes, it definitely prompts me to do some thinking and analyzing since at times all this investing seems like a huge MAZE because of taxes, time horizons, economy fluctualions and so forth.When I mentioned extra money besides RothIRA, I was referring to the money we will not need for a very long time. We determined that we have too big Efund (which is over $50k), therefore we would like to invest 3-5 thousand somewhere for a long term. I don't think I want to wait (or should I wait??) another year and see what a 401k plan I'll be offered by my employer (I do NOT have a 401k plan yet, but my DH max-outs on his). We do not qualify for IRAs except RothIRA.I read a bit about investing into an IRA contributing after-tax money. It also sounds confusing a bit. I also explored ETFs a bit, but since we don't consider ourselves active investors who would check brokerage account (what we do not have yet) every week. We are more like to invest for long-term and not jumping from one place to another unless there are major concerns. Isn't what long-term investors do: invest and wait at least 3-5 years and see if their chosen fund performs the way they anticipate to? If performance is positive, keep the money there, if not then explore/consider other ways/options.Thanks for everybody's thoughts. And yes, I'm coming to realize that there is no right or wrong answer since everything hinges on a personal situaltion.Aida
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