Hellobee Boards

@MamaG: re Roth - diversification (more investment options w Roth than w my 401k), taxes and you can take money out of a Rith - you should never, ever borrow from a 401k. From kiplinger:
The idea of saving on your taxes may seem a tad obscure, but it really can pay off big. If a 25-year-old contributes $5,000 each year until she retires and makes an average annual return of 8% on her investment, she'll have $1.4 million saved by the time she retires at age 65. And the money is all hers -- she won't have to give the IRS a cent of it if she waits until retirement to withdraw the money. (Use this calculator to see how far your savings can take you. Enter "0" in the tax rate boxes to simulate the tax-exempt status of a Roth IRA.)
If that same 25-year-old invested that same $5,000 a year in a taxable account earning the same 8% return, she'd only have about $1 million after 40 years if her earnings were taxed at 15% federal. That's more than one-fourth less money than if she'd gone with the Roth. If she owed state taxes on the money, too, she'd be down even more.

I put 15% in my 401k and max out my IRA. My company does not match and the options in our 401k are limited, unfortunately. What I can't put in my IRA each year, I invest.