<prompt> Human: If you wont be putting in the full contribution limits anyway? Roth IRA could provide extra 5500 to contribute but why not just up the contribution of Roth 401K assuming you wont reach the contribution max on it either way?  <response>: You cannot withdraw from a Roth 401k as easily as you can from a Roth IRA. You also have access to more funds cheaper in a Roth IRA. 