While I understand the reticence of using a brokerage account - come on, people. Savings accounts are after-tax money, too, and no one is afraid of them. Figure out your level of risk for your excess funds (mines 1/3 savings, 1/3 brokerage, 1/3 Roth plus 10% of my salary in my 401k) and doooooo it. If you don’t want…