<prompt> Human: I am currently on track to max out traditional pre-tax 401k and Roth 401k with my employer by year end of 2018 at 18,500. I am currently on track to max out HSA at 3,450 by years end.Ive looked into doing a mega backdoor Roth IRA to try and save taxes on earnings by doing an in-service distributionrollover from after-tax 401k to a personal Roth IRA or transferring to my Roth 401k. Link: However, after speaking with the Fidelity representative on the phone regarding my employers policies, I was told that I cannot do an in-service distribution from my after-tax 401k until 2 years after each paycheck. --- So if I deposit 100 into my after-tax on February 10th, 2018, I cant rollover into a Roth IRA until February 10th, 2020. Thats for every paycheck.My question is: is it still worth putting as much money into my after-tax to max out total 401k contributions up to the yearly limit which I believe is 55k for pretax, Roth, after-tax, and employer matching combined and then rolling over to my Roth IRA 2 years later?Or...should I open up a Roth IRA right now and max that out 5,500 this year? Then for the leftovers put into taxable brokerage accountplay with crypto, etc...Thanks.  <response>: Some employers disallow the inservice distribution to a Roth IRA, but do allow you to move the money out of the After Tax into the Roth 401k.Depends a bit on your age, but its worth waiting 2 years in an after-tax 401k account to get free growth for 30 years : 