<prompt> Human: Last year I finally started to plan for my retirement Im 25 and Ive been putting money into my 401K account with my employer matching my deposits and I also opened up an SP 500 index fund that I have been putting a monthly deposit into as well. I was wondering if it would make more sense to put less into my 401K account and more into my index fund or vice versa or put in an even amount into both. Thank you!  <response>: considering most 401k have a sp 500 index fund inside the 401k i would focus there. 