<prompt> Human: Im young mid 20s and have a decent amount in stocks and bonds a little over 1m, but I dont have an traditional income. The money I am earning from dividends is not exactly trivial, but I cant contribute any of it into a roth IRA because its unearned income. Are there any other similar retirement accounts I can look into that allow me to invest unearned income? Is there a better way to use this dividend money rather than just reinvesting it in the same taxable brokerage account?  <response>: With a decent portfolio like that, you really should be speaking with a professional financial planner who can help you make the most of protecting your investments - sheltering them. 