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The wife and I are both contributing 6% to our retirement funds.  My employer matches my 401k contributions w/ 75 cents on the dollar in ESOP fund (up to the 6% I am currently contributing).  I have Foolishly switched all of MY funds into an index fund which is the best I can do there.  My wife's 6% is a mandatory contribution in a 403b as a county employee.  What would be the logical next step for additional retirement funds?  

1) more money into 401k or 403b (pre-tax)?
2) pay taxes then contribute to self-directed Roth IRA

I know 401K is pre-tax, but I like the idea of being able to self-direct in some sort of 'beat-the-dow' Fool strategy.  In the long run, could my additional interest gains offset the taxes?  (IOW, if I take money post-tax and put it into an IRA could I beat both the index fund interest and tax-savings combined)....don't need a definitive answer on this, just a general 'rule-of-thumb' would do....something like "lots of people do that, but..." or "only idiots would do such a thing"

thanks :o)
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