<h1>Why You Need a Roth IRA, Pre-Tax Account, and Taxable Brokerage Account Right Now</h1>
<p>Here’s why these three accounts are essential for your financial strategy:</p>

<h2>1. Different Tax Advantages</h2>
<ul>
  <li><strong>Roth IRA</strong> equals tax-free growth later.</li>
  <li><strong>Pre-Tax Account</strong> equals a tax break now.</li>
  <li><strong>Taxable Brokerage Account</strong> equals flexibility always.</li>
</ul>
<p>That’s awesome!</p>

<h2>2. Life's Phases</h2>
<p>Life never happens in one phase, so why would your money? Diversifying your accounts helps you adapt to life’s uncertainties.</p>

<h2>3. Avoiding Lock-Up</h2>
<p>If all of your accounts are locked up, your future self may be very rich but also very annoyed that you can no longer spend that money on the people and experiences you believed you'd enjoy. Trust me on this one.</p>

<h2>4. Emphasizing Options</h2>
<p>Diversify your tax buckets the same way you diversify snacks before a big snowstorm—because options matter.</p>

<h2>Conclusion</h2>
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