Hey, Fools. Last year, when I embarked on my career, I started socking away 10% into my 401K immediately. (The first 4% of which is matched with an additional 2%). Then I opened an IRA, and rolled it into a Roth IRA conversion. (I'm young and saving for a house someday, so the Roth IRA looks good.) This year I still put away 10% into the 401K, and I just opened a new Roth. Now, I'm thinking... tax-wise... wouldn't it have been better to MAX my tax-deductible 401K contributions to the full 18% my employer allows (up to $10K or so) before investing anywhere else? Insight...? --AliFoolInvest in the 401k so that you get the full match. Then go to the Roth IRA. Any extra money goes back to the 401k. Be sure your short term and emergency funds are covered before you max out the 401k.The reason to put money in the Roth is that the earnings are never taxed, but the 401k will be taxed when you retire.