The path may depend on your employer's plan offerings if it allows it at all. Note that there may be tax implications depending on your situation. Webyou contribute 6% into your 401k, to get your employer to put in the full 5% match. I'd kick up you contribution to 10%, just to. Webright now i am contributing 20% roth to my 401k. I don’t get my employer match until a year after working, but my employer contributes 10% of my salary every year regardless (it’s only fully vested after 6 years). My base salary is 87,000 but i am a part of a program where i get 5% raises every 6 months. Webthe $14,000 you put in the ira is costing you an extra (insert times tax rate here) probably $3k a year in savings.
