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My Spouse contributes the maximum allowable into his 401K account, which is matched by his employer.

I am a Per Diem worker, that works one or two days a week. Though I can open up a 401K Account through my workplace, it is not matched by my employee, since I am considered a "Casual" Worker.

I would rather have more options as to where my money goes, instead of the slim choices I have available to me with the 401K.

Is there any benefit to investing in the 401K through my workplace, or would I be better off investing in an IRA or a Roth IRA?

I would like the account to be joint, for my spouse.

Our combined income is over 100K, mostly my spouses income. :p

I value my fellow Fool's opinions and experience.

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