<prompt> Human: OK this thing is overall great! My only question is about the first blue box: Evaluate merits of a Roth VS Traditional IRA in the context of your personal financial situation and max the yearly contributions accordingly.I would think this should say Evaluate merits of a Roth VS Traditional IRA VS 401k if offered. What is the advantage of contributing to a Roth or Traditional IRA instead of contributing MORE to your companys 401k after already hitting your 401k match?Thanks for the insight!Edit: Ahh, great reasons, most common one being the IRA is better!However there should be a warning in that block that there are income limits on contributions to the IRA when you have a 401k available.  <response>: The lowest expense ratio fund I have available in my 401k is 0.45, in my IRA its 0. That alone is a good reason to max out my IRA before I invest extra into my 401k. Its also another 5.5k of tax advantaged investing space that you cant go back and fill later, max them both if you can. 