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    Brokerage vs Retirement Account

    This is a tax question… Is there any difference in a brokerage account vs an IRA, if I buy and never sell? I do not qualify for a Roth. The reason I ask is I don’t like the idea of not having access to the money until 59, so if I buy index funds and plan to never sell, wouldn’t it be...
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    VTI vs VTSAX

    Any opinions? I am going to be putting a fairly large chunk in ($70k+) and wanted to know which was favored more. From what I’ve been reading, it appears VTI is more active and a bit cheaper, but they both seem very similar.
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    38 yo newbie NEED ADVICE TO START

    Hello all - my name is Shawn, 38, looking to invest really for the first time. I've always been a pretty good saver but have never done much in the way of investing. Below are a few details: Around $132,000 in cash $250,000 mortgage $16,000 car loan I make around $85,000 a year at my day...
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