ivydesert t1_je267hs wrote on March 28, 2023 at 9:31 PM

If your brokerage accounts are home to your long-term savings, no.

If you have ample retirement savings in separate tax-advantaged accounts and your brokerage isn't factored into your retirement planning, then go for it.

The first $100k is just a benchmark. There's nothing inherently important about saving six figures. This is just when your ROI starts to actually feel substantial.

accyoast t1_je27fha wrote on March 28, 2023 at 9:39 PM

i’ve been maxing out my retirement accounts, currently on the second year of maxing out my 401k. My brokerage accounts were created to store money for a down payment of a house in the future. But because of the new program, im in a tough spot where i want to try to break even before buying a house or take them out (about 60k) for closing costs since i don’t need a down payment anymore.