Why I'm Saving for Retirement in a Brokerage Account On Top of My 401(k)

When I was in my 20s, retirement was the last thing on my mind. And even though I had access to a 401(k) plan through my employer, I wasn't motivated to contribute very much back then.

To be fair, I had educational debt to pay off and an emergency fund to build. And since my employer didn't provide any sort of match for my 401(k) plan, I didn't feel compelled to put in too much money.

My attitude changed once I reached my 30s, though. I realized I needed to get serious about building a nest egg and start pumping up my 401(k) contributions to give my money time to grow.

Source Fool.com