It's Brian Preston, the money guy restoring order to your financial chaos retirement investing

taxing. You've got financial questions. He's got financial answers. It's Brian Preston, the money guy.

All right. We'll also be trying to thought. Oh yeah, we're doing this is the Q&A part.

This is our answer questions. All right. This next one is from Ryan. Ryan said,

I currently max out my Roth and I also contribute to a taxable. I'm also max out my Roth and I

also contribute to a taxable. I feel like some stuff in the middle there that we ought to hash through.

Where would I ideally hold my portion of index target retirement funds? Thanks 23 years old.

So he's got he's listens to us that we say do index target retirement funds and he's asking

to do that. My Roth, does it my taxable? I think he's trying to figure out asset location.

What would you say to run? How would you steer? What direct would you steer, Ryan?

Of course. I love that Ryan is 23 years old and crushing it obviously. He's maxing out his Roth.

I mean, think about what that is. That's $6,000 a year getting dumped into tax-free growth.

At that age, I mean, it's going to be every dollar invested is going to be like 70 something bucks

properly. I mean, that's pretty powerful. I think it's also interesting. Ryan is giving some

indicators of also being a financial meeting. He's already talking about the three bucket strategy.

I mean, he's talking about his Roth, which are tax-free. He's talking about his taxable, which

are after tax money. And then you alluded to this that he failed to mention, which is the traditional

tax deferred. And that's where a lot of times that's where your employer match is automatically

going to be in that tax deferred. I think that's the question I'd have for Ryan. I don't know how his

income is structured. I don't even know if he works for somebody or for yourself employed.

But if you do work for somebody and you're eligible for an employer-provided plan,

don't overlook that step because that's free money. If it's a matching formula and we've shown

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