re: 401k and Roth 401k

I don't have any experience with a Roth 401k so take it for what its worth, but if you make under $184,000 or whatever the limit for a Roth IRA is then I'd do a Roth IRA well before I did a Roth 401k. Reason being is that you can pick other companies for your Roth IRA, such as Schwab or Vanguard and literally can buy anything they offer with your Roth IRA, they are cheaper, and they can't be any easier and user friendly to use. It also allows you to separate from your employer.

So in short I'd go with a 401k with your employer and a Roth IRA outside.

Now, if you already contribute fully to your Roth IRA and can put more into a Roth 401k than that may be different.