<prompt> Human: I have maxed a Roth IRA for this year. I have a 401K that is being fully matched by my employer but by no means is maxed as 18,500 year is a lot to me. I currently have a decent sum of money sitting in an account that I need to do something with. Enough to buy several Admiral shares if that makes sense. Now, a lot of people state you need to throw the maximum amount of money into your tax advantaged accounts first such as a 401K before opening a taxable account. While this makes sense Im used to my paycheck the way it is. To take it from where it is now and suddenly start taking an extra 800 month out to put into the 401K just simply wont work. The way I see it is I want to keep my paycheck the same Im getting the max match already and use this other account for investments.I know what people mean when they say take advantage of your tax advantaged accounts but... I cant wrap my head around this. Its hard to put into words.  <response>: Why not make the 401k contributions and live off the money youve got sitting around? 