Yep.  All of the above is my approach.  If your employer does a 401k match, you're giving up compensation/guaranteed gains by not utilizing that.  I use my 401k for "normie" stuff because that's all I'm allowed in there.  I have some Bitcoin exposure in my Roth IRA as well (miners). I will put a Bitcoin ETF in when Vanguard allows that, or get out of Vanguard very soon if they don't change their tune.  I have a ton of exposure to energy and precious metals in my IRA, though.  I love my Roth IRA for this.