Penny Pincher
New member
Once you've hit the max 401k contribution your employer will match, is it better to put more into the 401K or to put it into an IRA?
IRAs give you more options, so it's more flexible. And if, god forbid, you had an extreme emergency requiring taking some money out, 401Ks usually have some added fees in addition to government penalties.
I'd go with whichever one has the best plan options and historical return.