<prompt> Human: So I already fully fund my ROTH every year and I put in my employer match to my 401k and then about 4 extraI know the general rule of thumb is max ROTH, then 401k, then X. But is it always best to do 401k after ROTH as opposed to investing in some ETFs, etc? Reason I ask is I feel like the fund my 401k uses isnt necessarily great.Thanks in advance!Assistant: Reason I ask is I feel like the fund my 401k uses isnt necessarily great.Thats a very good reason to not go back into the 401k after the Roth.The reason that it is typiclaly suggested is that it is a tax advantaged account and, generally speaking, tax advantaged accounts non-tax advantaged accounts.Another reason might be that you want to use the money for something in the short term. 401k money cannot be withdrawn like Roth IRA money without penalty.Just keep in mind that you will owe capital gains taxes on earnings from an ETF in a non-tax advantaged account.Human: By that you mean, whatever I earn will be taxed again? Kinda like getting taxed twice on my money correct?  <response>: Sort of.If you invest your money and it earns a return, it has created new money that you did not have previously. This is called capital gains. Outside of a tax-advantaged account, these are taxed at different rates than normal income. 