<prompt> Human: A 19 year old coworker said he spoke to a financial adviser about the available 401K options. He was told to only invest the minimum 6 in order to receive the 4 company match. Any more than 6, he was warned, would mean potentially entering a higher tax bracket. Instead, he was advised to invest additional income in a roth IRA. The max contribution for the 401K plan is 40; 30 pre-taxed and 10 post-taxed. USAssistant: That makes no sense at all. First, entering a higher tax bracket doesnt actually matter. Second, 401k contributions decrease your taxable income. You cant contribute more and have a higher marginal tax rate.That doesnt mean contributing to a Roth IRA is wrong but they definitely shouldnt through that advisor, its generally advised, but if the financial advisor actually said that and your friend isnt just misunderstanding them, theyre an idiot. Also, a normal 19 year old has no need to see a financial advisor.Human: My instincts seem correct. I think the advisor was only concerned about opening a roth IRA for my friend.  <response>: It could also be that your friend didnt really understand the advice he was given. There are reasons to want to switch to an IRA after maxing company matching in a 401k, but the reasons he gave were nonsensical. 