<prompt> Human: I am 27 years old and currently in the 8,925 - 36,250 single filing tax range. I would like to retire in the next tiertax rate married filing jointly though I cant really predict with certainty where Ill be in 30 years. I have 4 fully vested matching contributions from my job to my 401k through MassMutual. I am currently contributing 6 I enjoyed the idea of a round 10, but would like to do up to matching and then add anything extra to a Roth IRA. MassMutual also offers a Roth IRA option, but I am not informed enough about the topic to know whether it is smarter to go through them or create an account through Vanguard after hearing a lot of great feedback through this subreddit. I have learned a lot of valuable advice through you guys and would love any advice you could give me. Due to heavy student loan debt, which I am paying off as aggressively as I possibly can, I can not contribute beyond 10 max each pay period. Thank you all so, so much for your words of wisdom to lurkers like me - you all do a lot of good!  <response>: No.. go with Vanguard. Their rates will be lower than Mass Mutual and it will give you a different variety of options. Vanguard is set up for you to succeed and not pay them a small fortune doing so. 