No. of Recommendations: 2
Why not a Roth (for both of you) instead of savings or 403b?

If you are already maxing Roths, I would do a taxable brokerage if you already have 2 years of savings. No reason to add more to an account that doesn't even earn the rate of inflation -- invested however you like in a taxable account and likely benefit from favorable tax treatment on the dividends and gains.
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