<prompt> Human: I tried a search and couldnt find any posts with similar circumstances, although Im sure theres a ton out there and Im just a shitty Googler...I am newly married, and my wife and I have low expenses, so we have found we are able to save a lot. We have some student loan debt that we are planning on finishing off in a few months, and I need some advice on what to do for 2014. For 2014, after maxing out our HSAs, Roth IRAs, and contributing up to the match for the 401k, should we continue and max out the 401k?While we can easily do this 2014, the 401ks offered through my employer are crappy. The expense ratios are high at 1.65-1.75 some are over 2. For the match Im currently in a TRF that has an expense ratio of 1.65 despite being an index fund.Is it still best to take advantage of the tax-advantaged account, despite the much higher expense ratios? Does the time horizon make any difference here? Our hope is to retire early meaning we could do a rollover into a better fund. Just want to make sure Im not missing anything. Thanks for your insight!  <response>: Yes, the tax advantage will outweigh the ERs especially since you will not be wherever you are currently working indefinitely. 