Why is the normal thought to only invest in 401k to match, then Roth ira and not just hammer away at 401k or roth 401k?
For reference my company doesn’t match, just does “safe harbor” 3%.
Knowing that I am below Roth IRA income threshold why am I foolish for contributing to the 401k vs opening Roth IRA? I like the simplicity of pretax set and forget, and the lowered taxable income as a result is nice too.
For clarification I’m not looking specific advice so I won’t give more specifics about my income etc I’m just curious as to what typically drives that logic of 401k to match and then IRA. Is it the fee structures typically associated? Is there something else that people normally take into account that I’m overlooking?
Thanks
Submitted October 05, 2023 at 11:11PM by RSully312 https://ift.tt/GUXmBSl
