Hey everyone I’m a new investor and I’m not sure which account I want to start with. I’m debating between a Roth IRA and a standard brokerage account but I’m not sure. I already know the benefits of both but I want to get the most out of the first account I open.

Some relevant info

• Age: 18
• Lives in: United States
• Currently unemployed (student) but I have about 11k in my bank account
• I plan on using this money as retirement but I also want to be able to pull it out in special circumstances (I.e buying investment properties or assets that are costly)
• Currently don’t need it at the moment but I want to eventually buy an investment property (or some form of passive income asset) with my funds.

One last thing I’d like to mention to you is that I’m not much of a spender. Any money that I end up getting is set in my bank account as I’m not interested in liabilities. The only goal I have with my money is for it to make more but I don’t care how long it takes. And for those thinking that the Roth IRA is the best choice for me, I was also considering it but I may retire before the withdrawal age of 65 (I think). So if I retire prior to the minimum retirement age, then I won’t be able to withdraw the funds. So to sum it all up, I’m debating whether I want to go with a standard brokerage account to get my investment property ASAP or a Roth IRA to save for a retirement that I may or may not reach. That is my main issue so I hope that experienced investors can help me out. Thank you for reading!