<prompt> Human: The typical saving plan is emergency fund, pay off debts, 401k to match, max Roth IRA then max 401k.Why is it better to contribute additional funds to Roth IRA instead of a 401k?  <response>: If you have a high income andor good fund choices in your 401k, it often isnt. But if youre early in your careerearning potential and all your 401k choices have high ERs, which is a very common case for the average poster here, then the Roth IRA gives you more flexibility for withdrawals, locks in a relatively low tax rate, and lets you choose funds with low ERs.And if youre a very high earner, its expected that youll be able to max out the 401k, and so then a backdoor Roth IRA is a useful vehicle for further tax-advanted savings. 