If you are making less than $100,000
You should have an ROTH IRA and make contribution to it.
100% highly recommend
You will
still want the 401k match at work.
So you will deposit at least the matching % percentage, your workplace offer.
So if they match 6%, you do 6%
If they do 3%, you do 3%
and 15%, you do 15%you want to do this, because it's a 100% return, free money.
next, you want to max out your ROTH IRA
don't just put money in, for the sake of putting money in
really try to max it out
limited is $5500 every year
too show you guys, im not just blowing smoke
here's a screenshot my schwab roth ira
i have about $450 left till i max out for 2018
you still have time to do your 2017, till tax day