<prompt> Human: Hey all,I hope your days are going well. Having just recently fallen into the world of personal finance, Im having some doubts on the choices Im making with my money.Currently Im putting 10 of my pay into my employers 401k they match 3. With my after-tax pay, Im putting roughly 10 into my savings account, 10 in vanguard mutual funds and 10 into a vanguard brokerage.My question is this: Should I redirect all the money going into the vanguard mutual funds into my 401k for tax savings?The money in the brokerage I want to continue as I have been averaging 30 return and I enjoy it as entertainment.If I can add a second part, any suggestions on fund selection? After researching expense ratios, I shifted all my future allocations to a cheap vanguard SP index fund. Should I diversify a bit more with bonds and international options? linkThanks all!  <response>: You should take care of your tax-advantaged accounts before funding taxable brokerage accounts if youre saving for retirement. 