<prompt> Human: Hey guys, first time poster long time fan of this sub. I have a question: At what point does it make sense to create a Roth IRA versus simply adding to a Roth 401k. Heres my situation. I started working a new job in the last year, and seeing how I have only been working about over one year since graduating with BS it was time to do taxes by myself. I didnt know what to do so i went to a CPA, and got everyone filed properly. I thought I understood the basic principles of retirement accounts, but this past tax season has shown me that I do not know enough. I had a 401k with my previous job that was around 3k. When i moved jobs, i was informed by the 401k provider that they would send me a check, or perform a rollover to the provider of my choice. Since the 401k was traditional, I rolled over to a traditional roth. I maxed the roth, and thought I should be able to deduct all of the contributions up to the limit 5500 from my taxes. This is when i learned there are IRA income contribution limits, and that with my new job Ill be at the no deduction income limit this year. My new job offers a roth 401k which i have been adding around 8kyear. I thought about opening simply stop contributing to the traditional IRA, and opening a roth IRA and max that out. Or increase the roth 401k amount. I know i can roll over the roth 401k to a roth IRA later in life to avoid the RMDs. So.. at what point does it make sense to create a roth ira vs increasing the roth 401k contribution? Im 25.Thanks for the help.  <response>: I got lost when you said you rolled over to a traditional roth... 