Growing your wealth requires a strategy as well as spare cash, and one of the most important decisions you'll have to make is where you keep your money. The account you choose determines what your investment options are, when you pay taxes on your funds, and how much you can set aside each year. 

But the right account for you depends on your retirement goals and what you have available to you. Here are a few simple guidelines to help you decide where to put your money first in 2023.

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Source Fool.com