To decide whether to max out tax-advantaged accounts or invest in a taxable brokerage account, it’s essential to understand your financial goals and “why.” If early retirement is your aim, it may be beneficial to contribute beyond 25% and build a healthy after-tax account; however, balance saving with enjoying life and having a clear purpose for every dollar in your financial journey. Using tools like the “Know Your Number” course can help assess your trajectory and make informed decisions.