<prompt> Human: Currently I have: Vanguard Rollover IRA with money from prior employers Maxed out Vanguard Individual Roth IRA Pathetically small retirement fund from above accounts probably about 22k for a 29 year old making almost 120k a year Checking and savings accounts with more than enough money in them. Likely good enough for a house down payment.My company offers a 401k plan with the following funds:EQEquity 500 Index0.62Franklin High Income1.11T Rowe Price Growth Stock1.18Columbia Dividend Income 1.27American Funds New World Fund1.81Invesco International Growth1.56MFS International Value1.84Oppenheimer International Diversified1.51Invesco Global Real Estate1.69Federated Clover Small Value1.52Janus Triton Fund1.42T Rowe Price Retirement1.08I dont think there is an online view or interface to manage my 401k with at this company. Id have to give the 401k folks a call to move things around once set up. They offer no matching.Questions:Is it just me or are these expense ratios way high? My vanguard funds are wayyy cheaper.Should I set up a 401k with this company?If so, should I roll over funds from my previous employers to it?Should I consider any alternative investment vehicles not mentioned here?  <response>: Yes set one up. Its 18,000 a year you can save, tax free assuming you dont go the Roth route. Also, if your employer matches your contributions, or participates in profit sharing, thats additional free money. 