Retirement Investing - Pre vs. Post Tax Advice

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So for someone under 35, is it wise to open a Traditional once you max your Roth? Even if you can't max out your Traditional, is it better than that extra $ just sitting in a regular brokerage account?

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So for someone under 35, is it wise to open a Traditional once you max your Roth? Even if you can't max out your Traditional, is it better than that extra $ just sitting in a regular brokerage account?

It's not a both thing.

You get $5000 per year to contribute to an IRA of some sort (6000 if you're over 50).

You can either do all $5k to a Roth, or all $5k to a Traditional, or 2500 each, or some other combination - but you don't get $5k Roth AND $5k Traditional.

For most people, once you max your Roth, you should up your 401k contribution. But if both are maxed and you still want to save for retirment, use a regular brokerage account.