re: Retirement accounts

Depending on how far you are from retirement, I would focus on the Roth.

If you are 10+ years from retirement/drawing money from Roth, here is how I would do it.

1)Put as much as you can to max employer match in job related account.

2)Put all savings of what is left into a Roth

3) Go back to maxing 401k

4) If you are still saving, put the rest into personal accounts.

Then you pull first from the personal account, then the 401k, then the Roth in retirement.

There is literally no situation I can think of where it is a good idea to take money already in a Roth and put it in another type of retirement account.

And if there is no employee match, I would strongly consider maxing Roth limits first.