The Roth would be instead of throwing money into your taxable brokerage account, not in addition to (unless you wanted to save/invest more). We tend to think of Roth money as untouchable until retirement, but that's not actually true - you can withdraw your contributions at any time without penalty. Only the earnings are subject to penalty for early withdrawal. I would max the Roth space before putting any more in taxable (full disclosure - this is what I do).