I'm a federal employee so I put it into the Thrift Savings Plan (think 401k). The tax advantages are huge. Taxes, taxes. Taxes will eat you alive. Find the

I'm a federal employee so I put it into the Thrift Savings Plan (think 401k). The tax advantages are huge. Taxes, taxes. Taxes will eat you alive. Find the best tax reduction vehicle you can, and then get into it and keep your costs low. After all, if you had to read something on /r/personalfinance, then "Actively searching for stock on the rise/timing the market?" is not something you have the expertise to do; "Real estate purchasing then renting those out?" is not something you have the passion or expertise to do. As for wealthfront/betterment, I have no idea what those are, but if you have a tax advantaged vehicle available like IRA or 401k, use that first. Taxes taxes taxes.