<prompt> Human: Im currently contributing 16 of my pay to my companys Roth retirement account and was wondering if I should back this down to 6 and contribute the remaining 10 to a Roth IRA?My company match is 6. 100 on the initial 1 and 50 on the remaining 5My current asset allocation of my contribution is as follows: Vanguard Mid Cap Index Fund - Admiral 15 Vanguard Small Cap Index Adm 10 Vanguard 500 Index Admiral 25 Vanguard Target Retirement 2055 Inv 50 23 Single Male making 41Kyr. No debt. Just purchased my moms car 2000 Toyota Avalon XLS in excellent condition from her for 4,000 at 500 over the last 8 months so I have an additional 500mo I can be investing in addition to the 300 per pay I contribute to my savings. Currently have just over 6,000 in my savings as my emergency fund.What should my next steps to securing my future be?Thanks in advance for any advice  <response>: You appear to have an excellent 401k. The usual advice to fund 401k up to the match, then IRA, then back to 401k is because better investment options usually exist in IRA but you want to capture the 401k match. In your case, you have excellent 401k investment options, so no need to make this more complicated. You can go all 401k until you reach the max limit, then add your IRA. 