401k contributions: pre/post tax and roth.

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Not to hijack, but I am in a somewhat similar position. Employer matches 6% to a standard 401k, I am currently contributing 10%. Would I be better off contributing this excess 4% to a Roth IRA?

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General rule of thumb: Invest just enough to maximize your employer's match, then max out your Roth IRA next. After that, you can either contribute more to your 401(k) or self-direct those funds elsewhere, whether it be individual stocks, real estate, something else. Each situtation is unique though based on your personal situation.