I've just started working a real full time job and want to make sure I have my finance setup right. My employer doesn't have a 401(k) match right now I'm thinking of putting that money into a roth IRA instead. I'll but around X amount into roth IRA and the rest into a savings account. Should I also open up a brokerage account for more short term investing? Ill add some index and mutual funds into this brokerage account. Or should I ditch the savings account all-together and just do an roth IRA and brokerage account?