Plus 401(k) fees are usually higher than if you just opened your own IRA with Vanguard and bought some no-load index funds. Rational order to do it is: fund 401

Plus 401(k) fees are usually higher than if you just opened your own IRA with Vanguard and bought some no-load index funds. Rational order to do it is: fund 401(k) to the match, fund your own IRA to the max, then fund the 401(k) to the max.