Bryan Carreto, CPA
Region: US
Tuesday 10 November 2026 14:18:58 GMT
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Hi :
Some of us make enough money to max our 401k, Roth IRA, and still have significant savings in a HYSA and a brokerage 😂
2026-11-11 05:42:29
121
Honest Personal Finance :
Very few people have gotten older and said, “I have way too much in my 401k.” Conversely, millions of people every day wish they had started contributing earlier. Choose wisely
2026-11-12 02:36:28
0
kevinsass673 :
401k limit is very low, its like 24,500 a year. I don't see why people can't max out that to reduce income tax. Then you can invest the extra in taxable account that I can sell when you want. You also need to have 6 month expenses as emergency fund.
2026-11-13 02:22:05
1
Samantha Martin9545 :
I’m also a CPA and if you are able to diversify and still max a 401k, do it.
2026-11-10 21:38:01
238
Lucky lizard :
401k is a retirement account not a savings account💀the company match is a 100% return ,no other investment is gonna beat that. The earlier you start the better
2026-11-10 20:33:24
100
DownTheHatch :
Get the 401k employer match and max out a Roth IRA is the first step.
2026-11-11 14:51:43
49
Tyler Hern :
Im a cpa, key is liquidity.
2026-11-11 02:01:38
22
Ryan Parker482 :
I interviewed at Visa and their 401k match was 200% up to the IRS max 🤯
2026-11-13 18:24:49
3
sebastian.nadal :
Nah disagree. I started investing in my 401k at 25 and I’m kicking myself for not contributing to it aggressively when I was 22 at my first job. The younger you are, the more compound growth takes place.
2026-11-11 04:36:55
9
user7951856744435 :
“You can’t touch the money” is the entire point of a 401k
2026-11-11 02:36:55
179
user1320242646257 :
I maxed out everything and retired early. traditional 401k, backdoor roth, brokerage and high interest savings
2026-11-11 13:22:45
8
Spencer Rogers :
Step 1: have a high enough paying job to not need all of your income to live on
2026-11-11 00:32:52
26
Vanessa M32045 :
401k poor? I like to call myself Retirement Rich.
2026-11-12 08:50:09
4
Enrique :
Do you understand the irony of you saying you can’t take that money out if you want to buy real estate?
2026-11-12 13:13:15
0
Chris Vo :
You can just take 401k loan if you want to buy a house. The interest goes back to you and you never pay taxes on the withdrawal unless you miss a payment of leave the job. Way better than paying taxes on the capital gains from the brokerage
2026-11-11 00:35:48
0
calvin :
CPA to CPA, bad take. 72t, Roth ladders, rule of 55, etc. You know as well as I do, defer, defer, defer.
2026-11-11 12:23:37
1
Wavy Bebes🌊 :
My company won’t match until a year😔
2026-11-10 23:27:36
6
Rich Stone :
Tax advantaged accounts are the best accounts. All your money should go there first, whether it’s Roth or 401k unless you’re not a w-2 person.
2026-11-11 19:44:10
1
Nunya :
I have no 401k match, I have a pension though. Should I still follow this advice or leave out the 401k altogether? I have 25 more years left until retirement
2026-11-12 00:51:19
0
beatsandpaws4 :
What brokerage company do you recommend?
2026-11-12 01:42:55
0
James Traficant :
You forgot to mention all the capital gains taxes you paid on the sale of the ETF
2026-11-11 03:13:39
1
Black Diamond Gem :
401k + Roth IRA + 2 HYS = Easy Retirement & Emergency Plan - You can buy a property using the funds from one of the HYS accounts
2026-11-13 05:24:38
2
DuplexKing:RE 🏘️BIZ 🏢 MLO :
def get the company match, max Roth, then invest for cashflow if possible
2026-11-11 23:42:00
3
sherri brizu :
I agree and if you retire with JUST 401k. And it’s your biggest account ooofff :/ rmds and taxes , no wiggle room to work with , can’t really retire early unless rule of 55
2026-11-11 00:26:55
4
notcartersuppes :
Spot on brother. 100% agree
2026-11-13 03:01:12
1
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