<prompt> Human: Im currently in a Roth 401k with an expense ratio of about 0.46. As the title says my employer matches up to 6 and also puts in another 4. Im contributing 12 personally. Im wondering if it would be better to scale back to the 6 match and take the other 6 and invest in a traditional IRA. Any advice is welcome.  <response>: Put all in that you can afford imo. 