<prompt> Human: Using a throwaway for privacy.Backdoor Roth IRA vs. Investment account.We have about 25kyear that we put into post-tax savings. Currently it goes into an investment account which has a few mutual funds and ETFs.I am wondering the proscons of a Roth IRA. I had stopped funding mine a few years ago as we went over the limit, but Ive recently learned of the backdoor Roth IRA.So my question is, should I fund the 5500pp for the Roth, and put the remaing 14k into savings, or keep putting it all into the Investment account? Any reason to NOT fund the Roth?FWIW we are married, each fully fund our 401ks 17.5k 5k in matching, have a pension thatll be worth about 45 of our gross, and our only debt is our house, which should be paid off in 15-18yrs.As for the savings, I would like to have a 1-200,000 nut sitting around that I can access for big ticket items such as a home remodel project, downpayment on a vacation house, boat, RV, etc. Not money that Id need tomorrow, but also money that I would like SOME access to. We also have an emergency fund with 6-9 months expenses in there, so I dont feel it necessary to fund that any more.  <response>: You should absolutely be taking advantage of the backdoor Roth. That tax-free growth is unbeatable. 