<prompt> Human: I am currently contributing 5 of my paycheck to our Roth 401k. I get a 20 match on that maxes out at 5. Its balance is 37,500 and its averaging around 9 each year. I am 26 and make 50,000. I am also maxing out my Roth IRA.The 401k has a yearly fee of 1.81 of the balance plus 200. The match covers half of that, but it still seems like a fairly high expense.Right now, between my wife and I, we put 17.6 of gross into retirement 22.5 of net. Our total retirement balance is 85,000.My first question is: Should I bump up my retirement contribution? We have about 1100 left at the end of each month. I want to be sure we have enough money for when we retire, but I also want to live in the present fix up the house, go on vacation, etc..My second question is: If I should bump it up, should I put it in my 401k? I have a side LLC so Ive considered an Individual 401k as well in hopes of achieving a lower expense ratio, but obviously that takes quite a bit more to set up.  <response>: Your bosss pal is basically skimming money from your account, and that really sucks. Your 401K plan is terrible. But its still untaxed money. How are the actual investments in your aggressive fund? If you assume theyre very similar to a target year ETF youd otherwise buy big assumption then youre still better off maximizing your 401K before contributing to taxable accounts. 