<prompt> Human: Hi everyone. I just recently enrolled in contributing to a Roth 401k through my employer. Ive done a little research and figure Ill benefit more from a Roth considering Im just getting into the game. With my current salary its not possible for me to contribute the max of 18,000. However, Im still contributing 9 of my income. In comes question one: Ive read a few things about a having a side account in the form of a traditional 401k being beneficial alongside a Roth. What are the benefits here, and the stipulationslimits on them?Question two: Im also considering starting an IRA, and, from what I gather, one of the benefits is a tax credit calculated from a percentage of ones contributions. What are the other benefits of adding an IRA, and having multiple retirement accounts in general? Bonus question: Can I even contribute to an IRA if I dont contribute the maximum to my 401k? If so, should I try to reach the limit on the IRA, as that would be more possible considering my salary?Sorry if these are broad or simple questions. I would greatly appreciate some input.Edit: My employer does not currently offer 401k matching.  <response>: Regarding your bonus question: Yes, you can contribute to an IRA even if you dont contribute the max to your 401k. Limits established for IRAs run separate from 401ks. There is no special benefit attained by maxing one limit or the other - only in that that means youre saving the most possible. But, no one comes and gives you a high five for doing it, sadly. That should change.Many people like to set up IRAs in addition to 401ks because IRAs will allow for many more investment options; 401ks usually offer 10-25 investments, IRAs offer WAY more. Also, look into the fees built into your 401k. Some employers pick up nearly all the fees associated, some leave a large portion to the participants you to pay, and other employers are somewhere in between. You can check out your plans Summary Plan Description online or ask your HR for a copy for an explanation of the fees that may be assessed to your balance. If your plan charges high fees then it may be more worth your while to invest in an IRA - especially that you added your employer does not offer any match on your contributions.Edit: clarified some stuff. 