Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Why should one only contribute up to the employer's match in a 401(k)?
In addition to George Marian's excellent advice, I'll add that if you're hitting the limits on IRA contributions, then you'd go back to your 401(k). So, put enough into your 401(k) to get the match, then max out IRA contributions to give you access to more and better investment options, then go back to your 401(k) until you top that out as well, assuming you have that much available to invest for retirement.