<prompt> Human: I apologize in advance if this has previously been addressed, but I didnt come across my specific question through the search function.Im currently 26 years old and would like to ensure Im making the right decision. My employer offers a Roth 401k which I contribute 17 of my income to 3.5 match 20.5. I contribute all of that money to a Vanguard TD Fund. Is there any reason I should be contributing to a Roth IRA instead of the Roth 401k? Itd be a no brainer if the expensesfees dropped, but I would end up contributing to the same Vanguard TD fund if I used the Roth IRA anyway.Am I missing out on any other advantages by not contributing to a Roth IRA? I feel like I should be contributing to one since there is an annual cap, but until I max out my 401k contributions, I dont see a real big reason to change.  <response>: If youre happy with the choices in the 401k, theres not a huge impetus to use an IRA instead. 