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[quote=Anonymous]The general rule of thumb is 401k to match, then max IRA, then back to 401k until that's maxed too. You need to take into consideration your tax bracket and your 401k investing options. For example, we are in a high tax bracket and have access to a 401k with lots of low ER funds, so we've maxed that out rather than starting IRAs. If you are in a lower tax bracket with a high fee 401k, then switching to a tIRA after exhausting employer match would be your best option.

Don't start a tIRA, however, if the majority of your prime earning years will be high enough to disallow deducting contributions. Stick with Roths and then start doing back door conversions when your income gets too high and you're forced back to tIRAs.

A little known quirk in tax law: If you're maxing out your 401k plans, some allow you to make additional, non-deductible contributions up to an additional 32k or so. In some cases, these plans allow in-service rollovers of these untaxed funds.  Untaxed 401k contributions can be rolled over into Roth IRAs, which is very nice if you can manage it.

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