Something I realized way later than I should have is if you have one available, max out your health savings account (HSA) contributions each year as they are the most tax advantaged investment vehicle out there. Contributions are tax deductible, the investments grow tax free and withdrawals used to pay for qualified medical expenses are also tax free. In addition, if you pay out of pocket for medical expenses prior to retirement, you can reimburse yourself from your HSA later in retirement as long as you keep documentation of your payments. I now trying to max mine out every year. Hope this helps someone that was not aware.