<prompt> Human: Hi PF! My title pretty much says it all. Im wondering why its better to start a Roth IRA rather than contribute more to your 401k after youve met the company match. I currently make about 55K a year and contribute 10 to my 401k. My company matches 5. Would it be advantageous for me to dedicate the additional 5 to a Roth IRA rather than contribute 10 to my 401k? Thanks for the help.  <response>: It isnt always. But given youre in the 12 tax bracket with that 10 401k contribution, the Roth IRA is probably the best choice to do next since youre paying low taxes on your contributions and theyll then grow tax-free.This sub is mostly directed at people who are youngin low tax bracket or at high-earners, who can afford to max out both their 401k and Roth IRA.Another advantage of Roth IRAs is that you can withdraw your principal taxpenalty-free, so its less limiting, which can be good if youre new to building savings or still figuring out your priorities. 