<prompt> Human: Background: 23F contributing 1,000 per month to my companys Roth 401k with a match of 50 for up to 6 of my salary.My current contribution asset mix is of each paycheck is: Roth 401K: Vanguard Developed Markets Index Fund Institutional Shares 30 Vanguard Emerging Markets Stock Index Fund Institutional Shares 30 Vanguard Institutional Index Fund Institutional Shares 14 Vanguard Mid-Cap Index Fund Institutional Shares 14 Vanguard Small-Cap Index Fund Intuitional Shares 12I also have a Roth IRA that I have only contributed 1,300 this year. It only has: Vanguard Target Retirement 2065 Fund Investor SharesI thought about changing the Roth IRA to VTSMX once I have the minimum 3,000 and then change it to VTSAX once I have the minimum 10,000. Question is should I even bother contributing to my Roth IRA given the funds in my Roth 401K? To my understanding, Roth 401K is the same thing as a Roth IRA but the IRA has more options. The funds in my 401K seem to have pretty low expense ratios. Which is better in the long run?Thank you!Edit: ROTH to Roth.Assistant: Once you have maxed out the match of a 401k, common wisdom says that you should use an IRA instead, because you have more control over the funds. Yes, right now, your company offers a good selection of funds, but what if in the future they try to cut costs by going to a provider with higher fees for employees?Also, why are you contributing to a Roth 401k rather than a traditional? If you expect your annual withdrawals in retirement to be less than your income now, it may make more sense to contribute to a traditional, because you can reasonably expect to make your withdrawals at a lower marginal tax rate than you are currently paying.Human: I was always confused by the Roth 401K vs. traditional 401K debate. After googling for awhile, the consensus seemed to be contribute to the Roth 401K if youre young and think youre in the lowest tax bracket that you will be in in your life. Im currently in 25 bracket. I figured I would be making more when im older. Is this the right way to think about it? I want to live a comfortable but frugal retirement. I dont think ill need more than 40,000-50,000 per year in retirement. What do you think is best in my situation? Thank you!Also, when looking at graphs of traditional vs Roth, the Roth always seemed to come out with more money in the end.Edit: ROTH to Roth.  <response>: Its tough to predict what will happen 40 years ahead. One thing Id like to point out, based on my own experience - if you get married, buy a home, and have children - youll be paying way less than 25 effective rate on gross income. Ive kept all my tax records I know and despite being in the 28 bracket, Im paying an effective 13 due to itemizing and children, etc. 