<prompt> Human: This sub has really set me on a good financial path, but Im unsure of where to allocate my retirement contributions. Im debt-free aside from my mortgage with a healthy emergency fund. My companys 401k is administered through Vanguard, and they match 50 of the first 3 of pay that I defer - not great, but better than nothing. Right now, I am putting 10 of my paycheck towards this retirement fund because of some advice I was given a year ago from a friend. Based on what Ive been reading, this may not be the best strategy, but Im struggling to figure out how to better invest for retirement. I also have a Rollover IRA Brokerage account in Vanguard that is an aggregate of retirement plans from former employers. This is a Target Retirement 2045 fund, but I can probably do better. Finally, I have a 3-fund portfolio brokerage account from Vanguard which I am not contributing to regularly, it is just sitting there from an inheritance. Questions:Am I wasting my time putting 10 into a 401k that is only matched at 3? Should I only be contributing 3 to my 401k, and invest further into an IRA or other retirement account? Should I convert my Rollover IRA account to a Roth IRA and begin contributing to that? Should I be contributing regularly to my 3-fund brokerage account?  <response>: 1. contribute what you need to get maximum match2. Max Roth3. increase 401K to reduce tax liability. 