Скачать или смотреть No 401k at Work? How to Invest Without One (Roth IRA & Brokerage)

If your job doesn’t offer a 401(k), you’re not out of options — in fact, you might have better ones. Learn how to invest without a workplace retirement plan by using a Roth IRA and a taxable brokerage account to build long-term wealth.

This guide covers:

-How Roth IRAs work (tax-free forever)
-Why taxable brokerage accounts can be just as powerful — and more flexible
-Contribution limits, withdrawal rules, and tax differences
-How to prioritize investments without a 401(k)
-The pros and cons of each account type
-Both Roth IRAs and brokerage accounts can be opened at Schwab, Fidelity, Vanguard, Robinhood, and many others. I personally love and have used Charles Schwab for over 10 years and recommend it the most — though I’ve tried many other platforms.

Whether starting fresh or optimizing an existing strategy, these tips help you invest smarter, keep more gains, and reach financial independence without relying on a 401(k).

Timecodes:

00:00 - No Company 401(k)
00:30 - Intro
02:10 - #1 Alternative to 401(k)
07:33 - #2 Alternative to 401(k)
11:55 - Pros and Cons of Alternatives
13:35 - Outro

#personalfinance #investing #financialfreedom