<prompt> Human: Currently married 29m and 26F, have an emergency fund set up and all our unsecured debts are paid off. We only have a 30 year mortgage at 3.375 with around 247k left that we bought last year. We make 133kyr combined and after mortgage and billsexpenses and the 401k contributions we usually end up with around 1,500-2,500 left over from our pay at the end of the month. We have a loose budget of allocating 2k a month to paying bills and any incidentals that we have sporadically gone over due to carhouse repairs etc... My wife currently has 20k in her 401k and I have about 6k. We have 15k in savings. I was reading the FAQ regarding 401k and IRA etc..and am a bit confused. Currently my wifes employer 401k plan through Mass Mutual offers a dollar for dollar match up to 4 of the contribution. Shes currently contributing 30 of her pay 683 per pay period and with the match it comes out to around 775. My 401k offers no match and I believe its through Greater West Retirement Services and I am not contributing anything to it due to the non-match and poor fund selection.My wifes contracting job is switching companies, and her new employer come October offers the same 4 match in addition to Fidelity hooray! being the 401k manager. Im very conscious of the affect 401k fees have on retirement. However, my wifes new employer will not allow 401k contributions until after 90 days of employment; so from October until Jan 1st 2017 we wont be making automatic contributions. My wife and I have very open discussions about money and are highly motivated to save well into the 7 figures for retirement. We have high amounts of self control with money and have no problem adjusting budgets to allow for more savings. My question is for this 90 day period where neither of us will be contributing to a 401k is what to do? The FAQ mentions sometimes it may be better to open an IRA if your employers 401k sucks, but I understand that the IRA is not tax deductible on the front end if your employer offers a 401k program. If were maxing out her 401k with Fidelity which I assume is the correct move come January 1st what should be our next investment vehicle from there? Should we look at Roth IRAs or just a traditional IRA as Im not contributing to my 401k?I appreciate any help the community can provide. Edit 1: What are you guys thoughts of when my wife changes employers of rolling over her 20k in her 401k into a Roth IRA and just paying the taxes on it? Same thing for my 6k in mine...if theyll allow me to do an in service transfer should i just go for it?  <response>: Your choice not to invest in a 401k or any other tax-advantaged retirement is probably not your best move, independent of whether you like the fund choices. You should probably just do your own 401k, and then secondarily a Roth IRA. 