<prompt> Human: So, to clarify: I already have a Roth IRA and I max it out every year. I also have a 401-k through work and they contribute X amount to it. I also contribute some amount to it, but typically dont max it out. Given that setup, is there any advantage to diverting my company funds to a Roth IRA which means I would have to divert the funds Im currently putting into the Roth into something else, most likely the 401-k. It seems like a six of one half dozen of another, but Im not sure if there are any tax implications Im not considering.  <response>: No. They are giving the option for a Roth 401k, not a Roth IRA. Employer matching is always considered pre-tax so taxed at withdrawal regardless of whether your contributions are traiditional or roth. 