I know i gotta be in the minority here because i I know all you will come in here and say max out all your tax free retirement accounts before a taxable brokerage account but I love being liquid. Being able to access my money anytime no limitation or restrictions. Even though I look at this as a long term investing with ETFs in my taxable account I still plan to one day withdraw for a big purchase like properties or business opportunity or anything I need before 60 years old. I mean life takes you to unpredictable paths....I'm very likely to need the money before retirement but if it really stays in there all the way to retirement and I didnt take advantage of the tax free element then so be it, I dont mind paying taxes if I sell.