<prompt> Human: Hello everyone. I need some advice on how I should invest for my retirement. Some quick notes about my situation: Age: 29 Income: 145,000 base, 40,000 bonus, total 185,000 Current savings: 51,000 401k, 22,000 Roth IRA, 20,000 emergency Debt: None currently, however, closing on a house soon.Ive recently accepted a new position where I am earning quite a bit more per year. Prior to this company I had been saving 6 into my 401k, maxing out my Roth IRA contribution, and saving some for an emergency fund. I now have the financial ability to save more even with closing on a house, however, I need some advice on how to do so. Its probably easier that I just list the questions. Prior to now I had been investing in a Roth 401k. With my new salary and tax bracket, seems like it makes more sense to go with a traditional for the tax assistance now and when I get distributions. Correct? My current company does not match, but I was planning to contribute the full 18,000 to my 401k. Does it still make sense to do this knowing I dont get a match or should I focus less on 401k and more elsewhere? With the remaining funds I have after my 401k, I was planning to invest them into a traditional IRA since my income is too high for a Roth IRA contribution. That said, my income will also be too high for a deductible IRA contribution. I thought it may make more sense to invest the remaining funds into a taxable brokerage instead? This way I can also invest more than the 5500 max per year. Final question is allocation. I read a lot about ensuring your ratio is consistent across _all_ investment accounts. My strategy was going to be diversified in 401k, so US large, medium, small, international, bond, REIT and in my brokerage account IRA or taxable simply US and international VYM, VXUS, OUSA, or similar. Any strategy recommendations? My 401k is through Mass Mutual, and this is my current fund allocation. It could likely be better, so any help is appreciated. 20 MM SP 500 Index Fd MIEZX 30 Oppenheimer Intl Sm Co Fund OSMYX 25 Columbia Mid Cap Index Fund CPXRX 25 Columbia Small Cap Index Fund CXXRX These are the funds available in my 401k: Pioneer Bond Fund PICYX Dreyfus Bond Market Index Fund DBIRX Invesco Comstock Fund ACSDX MM SP 500 Index Fund MIEZX Fidelity OTC Portfolio Fund FOCPX American Beacon Mid Cap Value Fund AMPAX Columbia Mid Cap Index Fund CPXRX AB Discovery Growth Fund CHCYX JP Morgan Small Cap Value Fund PSOPX Columbia Small Cap Index Fund CXXRX Franklin Small Cap Growth Fund FSSAX Oakmark International Fund OAKIX MM MSCI EAFE International Index Fund MKRIX Oppenheimer International Small Company Fund OSMYX Virtus Emerging Markets Opportunities Fund HIEMX Principal Real Estate Securities Fund PREPXSorry for the wall of text, but thanks in advance!  <response>: Backdoor Roth IRA you can do this yourself and after that you can do a taxable account with ETFs or just buy and hold a diverse group of blue chip stocks. 