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Can't answer this question with 100% certainty because I am far from retirement and far from having a million dollars, but the strategy I am currently using to hopefully get me there is to max out my Roth IRA (love the idea of not having to pay taxes on it later), contributing only to my 401k the amount that gets me the full employer match (got to get the free money), and then putting the rest of the money that is meant for investing into other accounts where I have more control over my investments and also more liquidity. Maxing out the Roth seems like a good idea because it grows tax free but not a huge fan of having the money tied up until I am 59-1/2. I guess it will help guarantee that I will at least have some money by the time I reach that age. I would love to know anyone's thoughts on this strategy and how it could be improved!

LM

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