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I few rules of thumb.

If your company offers a match to 401k contributions, ALWAYS put enough money in to get the maximum match. Thats free money you're leaving on the table if you don't.

As long as you qualify for a Roth IRA do it. If you no longer qualify, a nondeductable IRA is the next best thing. At least there your cap gains and dividends grow tax defered.

After you've maxed out your tax advantaged plans, then open a regular brokerage account.

All this is assuming you have an emergency fund of 3-6 months living expenses saved and all credit cards are paid off.

Trying to guess what the tax brackets, etc., will be 30 years from now is futile. Having things in different tax treated accounts will not give you the best possible outcome but it will also not give you the worst possible outcome. And it gives you flexability.

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