<prompt> Human: Im working a temporary contracting job and Im currently contributing to a Roth 401k no company match instead of a traditional, since I know my tax bracket will be higher next year and Im taking advantage of post-tax contributions. Im planning to roll this over into a Roth IRA once I leave in a few months and start a new job with a traditional 401k. Does it make any sense at all to contribute to an IRA on top of the 401k, since theyre both Roth accounts?Secondary question: when I roll this over to an IRA, does that amount count towards contribution limits?  <response>: Roll-Overs do not count against your limits, youre just moving money from fund to fund, not making fresh contributions. If youre not getting a match, the 401k probably isnt worth youre trouble. Here are rules of thumb to consider. Lots of employers offer shitty 401k options. Contributing to a 401k only makes sense in 2 scenarios. If youre A getting a match, then thats free money to take advantage of, or B the options arent terrible and youre looking to contribute more than 5,500 per year the contribution limit for IRAs. Sense theres no match, unless youre planning to stash away more than 5,500 this year, Id just go straight for the IRA. 