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I need some investment advice. The hub and I recently paid off our house (yay!) leaving us with some extra cash that we'd like to invest towards retirement. The details:

We're both 41.
Combined HHI of $130k pre-tax.
We each have Roth IRAs which we max out.

We each contribute 10% to our respective 401ks. Both are just so-so as far as expense ratios and investment options. Not horrible but not great. His employer matches up to 6%.

Mine is a little weird.

I never know what my employer's match will be until after the year is over. Once it was a 50% match.(For real!) There hasn't been any match at all in a while, though. Also, I know that at least 2 of my co-workers consistently get money back at the end of the year because they have over-contributed. The reason for this is apparently not enough people participate in our company's plan. (Maybe because of the flaky matching pattern ya think?) So I hesitate to put money in that's just going to come back to me and not have done anything for a whole year.

So what do we do with our extra money? Do we divvy it up between our 401ks or do we put it in our taxable account? I just don't know if the tax advantage of the 401k will offset the semi-crappy funds/higher expense ratio/flakiness.

Help me, Fools!
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