<prompt> Human: This is a theoretical question for the near future. My situation is as follows: Just graduated college a couple months ago Joined the workforce post-college this past month w an annual of 110,000. Have a Traditional IRA with 10,000 that I was using in college. This is invested in various Vanguard ETFs Zero debtAs i understand it, if I max out my 401k contribution, I cannot contribute to my IRA, or if I do, the contribution will not be tax-deductible. Given my current situation, I will have extra money to save even after maxing out my 401K, should this money go to a regular trading account, or the IRA account? Or maybe something else?  <response>: Youd do a Roth IRA in this situation. 