Good day ET, I currently am 20 years old, have a relatively small individual trading account. I recently opened a Roth IRA, but have not funded it yet, simply because I am worried about not being able to remove the funds except for things like first-home, major medical bills, or once I reach 59.5 (quite a ways off ). I'm curious to know what everyone's recommendation would be for my trading account. Right now, as I said, it's just a standard individual account, which means that I am taxed somewhat heavily on capital gains. Am I better off contributing to my Roth IRA so I don't get taxed on my gains? I really like the fact that your contributions aren't restricted in an individual trading account, and I do contribute more to that per year than the Roth IRA maximum limit. Perhaps I should contribute a little to each? My goal over the next few years is to eventually build up a large enough account that I can trade for a living, and quit my day job. Since this would require removing funds from my account, I'm kind of thinking about sticking with my individual account primarily ... and maybe making small contributions to the Roth. Any thoughts, or other alternatives I ought to be considering?