<prompt> Human: Im new to investing. Currently I make a good amount of moneyIm 24, and I already maxed out the 401k my company offered, and effectively got the full match.I recently opened up a brokerage account at vanguard. Completely separate from the company 401k. A rollover IRA brokerage account. I rolled over a ira from a previous employer and started contributing even more of my take home pay to this. I used the funds that appeared in the Vanguard Federal Money market fundsettlement fund and bought all of VANGUARD TARGET RETIREMENT 2055 INVESTOR CL, VFFVX I believe. Is there a better choice for someone like me?I currently have no debt, student loans are all paid off. I have roughly 20k in checking, and 3k in current companys 401k and an additional 5k in this new vanguard brokerage account. As you can see, most of my funds are sitting in checking. And the bank is a bad place to store your money. However this Brokerage account has limits just like a typical retirement account, for example a contribution limit of 5500 a year. So my question is, can I pour even more of money into this brokerage account, effectively bypassing the limit? Also how does this work, lets say if I needed my funds out for a downpayment for a house or something. Can you simply just transfer the funds out of your brokerage account into your bank account? How does it work?I want to invest, but I dont want to be unable to withdraw any funds until Im 60.EDIT: I did not max out my 401k. Ive contributed around 12 of it. Ive contributed enough to get the full match. Also didnt start contributing to the companies 401k until later, since it isnt initially offered in the first 3 months. Ive been here for 6-7 months.  <response>: I already maxed out the 401k my company offered, and effectively got the full match.18.5k? You must have very recently started if you only have 3k in there halfway through the year. However this Brokerage account has limits just like a typical retirement accountBecause it is a typical retirement account.You want to open a taxable brokerage account.See here for investing Its hiding under Investing in the sidebar: 