Should I Focus on Roth?

The next stop on the investment train is step five, which is Roth and HSAs. If you're in a lower tax bracket, I say by all means load up the Roth because that money is going to grow tax free for you. You could look at either building up an after-tax brokerage account or maybe leaving the workforce before you can draw the pension. And there might be an opportunity for you to build that up too.