<prompt> Human: When going through my tax returns, my accountant usually gives me some advice at year end. This year he mentioned to me that based on my income I am no longer entitled to deductions from Traditional IRAs, so he suggested I contribute as much as possible to my employer 401k.I have read the FAQs here and responses from other members of rpersonalfinance and given my current contribution of 10 of my income to 401k 5 employer match, it would then be suggested to max out Roth IRA contribution up to 5500 per year, and then increase contributions to my 401k after that up to the max of 18,000.I posed this question to him, and he suggested against it, saying to simply max out my 401k contrbution until I reach 18k, the rest going to a Roth IRA.Am I misunderstanding something here? Why is he telling me something different from what seems to be advice given here in the past?  <response>: My guess is the advice given here is usually very general and not specific to each individual situation. Your accountant knows your situation better than reddit does and can probably give better advice for you. 