The Third Bucket Is Your Flexibility

Once you've already worked through the financial order of operation, you've hit your tax free buckets. You can go out to any of the major brokerage houses, Fidelity, Vanguard, Schwab, film the blank and you simply open up a brokerage account. All you got to do is pick the year that you think you want to retire and you just start dumping money in there. There's nothing wrong with looking at target retirement index funds.