<prompt> Human: I have used Dave Ramsey to get out of debt which is great but he has zero investment advice besides to put 1537; into retirement and have it split between a 401k and an IRA. however in looking over my options for an IRA id really just be over-lapping investment types for what my works 401k offering is. So im wondering if i have a well diversified 401k am I really hurting myself, or is it all pretty negligible so long as youre investing a lot?  <response>: Take Daves debt advice, avoid Daves investment advice. 