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

I'd meet my company match % to the 401K, go max out a Roth IRA for you (and spouse), and then put in max to a HSA ($7,300 this year). The HSA is tax free and can be invested (at least mine can). My issue is that I have a health issue that I spend more than the $7,300 a year on medical bills so I don't get to invest it, but I still get the benefit of it being tax free money. After that, if you have any money left, go put it into the better of an IRA or 401K for which one has the better investment options.