<prompt> Human: I am 30 years old, hope Im not too late to start! Finally started saving a little bit of cash, mostly due to the fact that I was not making much before. Anyway I am looking into either a 401k through my employer who would match me 50, rothIRA, or a brokerage account through vangaurd. Right now I am leaning towards a 401k but I would love to hear some advice. Thank you!Assistant: Definitely the 401k, at least up to the employer match limit. You will not find 50 risk-free return on investment anywhere else.Human: I am going to start it this week. After I save up another 1k, I think I am going to invest in a brokerage account through vangaurd. Thanks so much!  <response>: You need to max out your tax advantaged accounts 401k and Roth IRA before you start a brokerage account especially since you are starting late you wont be needing to touch this money until you are well past 59.5 years old. 