re: 401k - Putting in more than the company match pros and cons

I’m maxed at 6% of my income so I do that and my wife maxes out the government allowed per year. I then back door a Roth for the max for me. With the Roth and my 6% it gets me around 18k to 20k and then my wife does about the same.

I’m not really sure what else I could put my money into so I started sending an extra $200 a month to my advisor to put it into some sort of safer account that has better returns than my regular chase savings.

If I didn’t try and max out my 401k I’d probably just let it sit in my bank account until earning no interest.