Originally Posted by
HighFlight
Investing more is usually better than less, that is true. But before you exceed the company match in your 401K, you would be better off putting money into a Roth IRA.
The best way to do it is to meet the company max match in the 401K, then switch to your Roth(s), putting away into that until it is maxed out ($5,500 single, or double that if married, plus the $1,000 catch up if you are older). THEN go back and increase your 401K if you wish to save more.
Generally good advice however Endeavor offers a Roth 401k as well.
As such if you're interested in a Roth you're better served to do it within the 401k with its associated higher contribution limits (18K vs 5,500).
If the 18k doesn't get you to 15% then go to an IRA and then after tax investing. As well, I don't believe the Roth 401k is subject to a max income limit, at some point you lose the ability to contribute to a normal Roth. (In case your spouse makes a lot of money)