<prompt> Human: I am a young grad making about 100k per year on a monthly basis for the next few months , and by the start of 2019 I will be making about 115k per year. That being said, I have no idea how I should save for retirement. I am putting away 21 percent of my pay and have the ability to put away some after tax money into my account, but next year I will have space to fill up my HSA, IRA, and 401k plus after tax. At that point, what am I supposed to do to save for retirement? In theory it is a lot, but when you are trying to save enough to take care of yourself it doesnt seem like that much. Would a taxable brokerage account be the next best thing at that point?Also, I figured since I live in a high tax place would a traditional 401k be better since I face a 32 or 34 percent marginal tax rate at my highest bracket?  <response>: Yes, once you exhaust tax advantaged accounts you should use a taxable brokerage account if you want to invest even more money.Also, are you thinking about owning a home in the future? If you think youll be buying one soon saving money for a down payment in a savings account is a good plan. If you wont be buying for 5 years or more, though, I personally would just invest it until you need it. 