<prompt> Human: Maybe Im missing something, but I am maxing my 401k and it seems the conventional wisdom is to max my IRA as well. However, unless I am misunderstanding, putting money in a traditional IRA will be identical to putting it in a brokerage account my traditional IRA contributions are post-tax due to the income limit except that it gets locked away until retirement time with no significant tax advantages.It seems like my options are to:a not contribute to IRA accounts to due lack of tax benefitsORb go through the backdoor Roth process internally debating whether this is worth the extra hassle given 5,500 max contributionCould someone please verify that my understanding of the situation is correct?  <response>: Later if you have some years with lower income you can move the IRA to a Roth IRA. You can never do that with the taxable brokerage option. 