<prompt> Human: Hi all,My ultimate question here revolves around tax advantages in various investment accounts as well as balancing future liquidity of my savings:I contributed 15k to a Robinhood account in 2017 and it has grown to 18.4k to date.Roth IRA was maxed in 2017 and Ive contributed 1k so far in 2018.Am I missing out on Roth IRA tax advantages by holding funds in Robinhood account?Does it make sense for me to wait to hit the long-term-capital-gains tax eligibility on my investments in Robinhood and fund my Roth IRA account for the next few years with these investments?I dont own any ETFs in Robinhood, just individual stocks so I would be eating commission to move these to my Fidelity IRA account Im assuming. But would I be at an advantage in the long run by moving funds to my IRA?One of the reasons why I liked the idea of opening my Robinhood account was to have a bit of money hopefully appreciating that was relatively easy to liquidate if I want to use it on a large purchase in the future or to possibly fund some continuing education or business ideas. I fear I could be giving up this freedom by moving these funds to my IRA.Im contributing 9 of salary to 401k with employer matching at 6.If I fund my Roth IRA with Robinhood, I would still like to continue investing throughout the year and would probably increase my personal 401k contribution a few points but still come back to the idea of liquidity in the future.Should I just be saving cash at that point? I do have an emergency fund in cash at the moment in addition to these investments.Thanks all,tldr; should I fund my Roth IRA with Robinhood investments to capture tax advantages in the long run? What about liquidity from these investments in the future?  <response>: Apps, bad. Roth IRAs at Vanguard, good. Individual stocks, bad. Total market index funds, good. 