<prompt> Human: Hello everyone,You all helped me so much last time...Im proud to say that I have changed my habits immensely since my first PF post last year. I now have over 10k in savings and have started saving for retirement. So, currently I have two Vanguard accounts - 401k through job no matching around 2500 I deposit around 25 per paycheck since they dont match IRA Roth 3500 using VTTVX 2025 fund I deposit 75 per paycheckI was told before that once I hit 3k with Vanguard, I should swap to a different account within Vanguard that starts at 3k minimum. forgive me if Im not using the proper terminology. Which account should I pick? Also, even though the 401k through my job doesnt match, I contribute because its pretaxed. But really, its kind of annoying that they dont match. I sort of want to just focus on my Roth IRA. But I know Ill hit the 5500 this year, I plan on putting in my bonus from work as well. But is the 401k worth it??Thanks for your help.  <response>: Yes, if you max out your IRA, contributing to a 401k is worth it. Be thankful you have access to Vanguard funds in your 401k, at least youre not paying out the nose on fees like many people do.Staying in the target retirement funds is good for now. The only reason to switch out of them would be because you have enough money to accomplish the same asset allocation through purchasing Admiral shares of the underlying funds, which have lower fees. But youll really need to be closer to 50k total before youre able to take advantage of that strategy Admiral shares of a Vanguard fund require a minimum investment of 10k into the fund. 