the sixth type of account that earns you passive income is an index fund so an index fund is a type of mutual fund that mirrors a financial market index or even Vanguard so Vanguard you can just do this on your own and they just put your money in index funds and Let It Go which is great so if you want to do some investing yourself you can do it that way but I wouldn't use this necessarily again for retirement I would really want you to focus first and foremost on your Roth IRA and 401K for investing and let that start picking up speed and then if you want to go above and beyond that you can look into something like this.