<prompt> Human: Can investing on my own Vanguard Robinhood app, stock market, etc BEAT 3 work 401k Match or Roth IRA?Or its not really possible...Like, over 20 to 30 to 40 years, can I beat such a generic and easy investment of using work 401k or Roth IRA, of investing on my own? Such as using robinhood app or Vanguard investments?401k seems easy mode and no thinking necessary, of keep putting more into it. But if 401k or Roth IRA is the answer, then I never really need to study much more on investing, because it would take me a long time many years to annually max out 401k and Roth IRA.  <response>: The match is an instant 100 gain, unlikely that you will be able to beat that even when factoring in fees. 