<prompt> Human: Just started a new job after graduating college. No loans, and living with my parents so no utility costs. I do want to save up for further education however. I know its better to get someone to sponser me or get a scholarship, but I want to save up just in case I dont get either Im currently signed up for putting in 5 into my companys Roth 401k. The investments are as follows: The domestic stocks total stock market index fund have an expense ratio of 0.03. The international stocks total international stock market index fund have a ratio of 0.1. The bonds total bond market fund have a ratio of 0.02. I think these are better than the Vanguard investments. So my question is: should I put in a higher percentage into my 401k instead of opening up a Roth IRA with Vanguard as was my original plan? Thanks for the help.  <response>: Yes, i would prioritize the 401k over an IRA, as it appears your investment options in the 401k are even better than those available at the low cost IRA custodians. 