<prompt> Human: From what I can gather, people recommend retirement savings in the following order. 1. Contribute to 401k until you max the employer match 2. Contribute to IRA to get more options 3. Contribute more in 401kI already have my 401k contributions going into Vanguard funds, which seem to be in high regard around here. Does it really make more sense to open an IRA instead of contributing more to the 401k?  <response>: The FAQ advice is for people who might have bad 401k options, to optimize by privileging IRA. If you have good investments in 401k, work toward maxing that out. Open an IRA after that, or if you need some asset class not found in your 401k. 