I'm a recent college grad starting my first full time job. My company offers a work retirement 401k plan where I can choose pre-tax, employee ira, and post-tax options. My plan is to put atleast the 6% needed in my works plan that is offered to get the full match. Since my salary is lower than it will be in the future I think the roth options benefit me long term. I won't be able to max out both 401k and ira this year because I'm saving heavily for a house. With my current plan is there any reason not to just put all the money I'm saving in the employee ira option through my works retirement? I could max my personal roth ira and put enough to still get the employer match in my 401k. Both my 401k plan and roth ira are for retirement so I can't decide how to allocate 10k-15k. Also with my retirement plans is choosing a pre-made plan set to a retirement date good enough?