<prompt> Human: 32 years old, have about 20K in my 401k and JUST starting maxing out my 401k my company matches up to 6. I was basically just putting in 3 for the past six or so years because I was poor. My income has gone up now and I want to put that additional income each year 5k-ish into my retirement in addition to maxing out my 401k at 6 through work. Should I put that 5,000 directly into my 401k which will NOT be matched by my employer, or is it wiser to open up a Roth IRA account and start putting in 5,000 each year into that?  <response>: I have a Roth IRA to diversify from my traditional 401k just to kind of give myself a couple different avenues in retirement. If your 401k funds are good you could probably just stick them there, otherwise a Roth IRA wouldnt be a bad way to go.Also a point of semantics... I probably wouldnt call contributing to your employer match maxing out your 401k. Maxing out to me implies that youre contributing the maximum allowable annual amount to your 401k like 18k or something, havent checked lately 