<prompt> Human: Currently have a 401k which I contribute to up to 6 ER match, recently found myself quite interested in opening an IRA as well, would this be a worthwhile move despite not having intentions to max just yet?  <response>: IRAs are more flexible and usually provide funds with lower costs than 401ks. It is best to contribute enough to the 401k to receive all of your company match and then make any additional contributions to an IRA 