I personally invest 15% of gross income into my pre tax 401k and the rest toward my taxable brokerage and other assets. The only reason to invest in a Roth is if you’re in the lowest federal tax bracket now or you believe taxes will be much higher in the future. This is a good article explaining why Roth is tax inefficient for most people: https://thefinancebuff.com/case-against-roth-401k.html
Now, sometimes the offerings in 401ks are limited to crappy target date funds and expensive index funds. In that case, get the match and then put the rest in a tIRA where you can select a low cost index fund like $FXAIX.
If I’m investing into my job’s 401k, should I also be taking the advice of maxing out my Roth IRA?
I personally invest 15% of gross income into my pre tax 401k and the rest toward my taxable brokerage and other assets. The only reason to invest in a Roth is if you’re in the lowest federal tax bracket now or you believe taxes will be much higher in the future. This is a good article explaining why Roth is tax inefficient for most people: https://thefinancebuff.com/case-against-roth-401k.html
Now, sometimes the offerings in 401ks are limited to crappy target date funds and expensive index funds. In that case, get the match and then put the rest in a tIRA where you can select a low cost index fund like $FXAIX.