<prompt> Human: I need advice on what to do with my additional money. My current employer does not offer a 401K, so I have started a Roth IRA and have already contributed to the maximum of 5,500. I just recently enrolled in a pre-tax contribution to my Health Savings Account HSA and will eventually max out on this as well. So, I currently have 15K in my savings account only earning a yearly interest rate of 1. I want to invest 10K in a taxable account with Vanguard. Leaving me with 5K for my emergency fund. However, I keep hearing people say dont invest in a taxable account only in a retirement non-taxable account. But I feel like I have already contributed to the max of all the non-taxable accounts that I know of. Is there another non-taxable account that I should open up? Is Roth IRA enough for retirement? Is it wise to invest in VTSAX in a taxable account? I dont need this 10K anytime soon; although I would like to buy a house in 5 years or so. Currently I cannot afford to buy a house and was hoping I can invest some money to grow to help me pay for the down payment in the future. I know some people might suggest that I put the money in a CD, but I feel like interest rates are so low right now that its not worth it. Any advice would be great.Current Age: 28  <response>: I keep hearing people say dont invest in a taxable account only in a retirement non-taxable account. Those people are broke. What are they doing if they dont have a 401k or analogous option? Sitting on cash? Ignore their terrible advice.Roth IRAs are enough for certain types of retirement, you need to define the lifestyle you want before that question can be answered. Yes, VTSAX is fine in a taxable account. Anyone suggesting a CD should be ignored without apology. 