u/Direct-Floor-4420

I just turned 26 and have around $175k saved and invested.

Most of it came from freelancing, side gigs, living at home, and keeping expenses low.

The weird part is I don’t have anything in a Roth or 401k. I never really had a stable W2 job, so I just never got into retirement accounts. Everything is basically in taxable brokerage/cash right now.

No debt, but my income is pretty inconsistent.

I’m starting to wonder if I set this up wrong by not using retirement accounts earlier.

For someone in this situation, what would you do next?