[Natalie]

No, max them both out.

[Sean]

You can do both. You should save and invest as much as possible.

Assuming you have an adequate EF and no high interest debt I’d invest in order as follows:

• 401k to match
• HSA to max
• Ira to max
• 401k to max
• Taxable brokerage.

Take a peek at: Can I open a Traditional IRA after contributing to a Roth IRA?

[Vickie]

Based on your compensation, you may not be eligible to defer into a Roth IRA.

You may want to research…maybe you could do a traditional IRA and then do a backdoor Roth.

[Brett]

Need more info!

Generally speaking, you’d want to fujd your 401k up to the employer match, then max out your Roth IRA, and go back to the Roth 401k and if you can afford to, max it to the IRS limit.

That being said, if you earn too much inna calendar year you might not be eligible for a Roth IRA contribution.

If your income is just over that threshold, you could switch your 401k contributions to pretax. This would lower your taxable income and you might then be eligible for a Roth IRA again.

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