re: 401k and Roth 401k

She can have both certainly, but what I'm saying is that in my opinion if you are going to invest post income tax money into a retirement account a Roth IRA is better than a Roth 401k. You'll most likely have better, cheaper, and more investment choices.

A Roth IRA max contribution is $5500/ year per person. What most recommend is maxing your company 401k match, then investing in the Roth IRA, then finishing up what you can in the 401k.

I'm not sure how company matches work with a Roth 401k if there are benefits to it there than that may make sense.

Overall though an IRA outside of work is going to be better than a 401k at work because 401k's are usually extremely fee heavy and more expensive.