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

Any experience with maxing out 401(k)?
The biggest challenge as a young person maxing out a 401k in my opinion is the challenge of saving for a house, and (if necessary) paying off student loans. You have to consider - are you OK renting for the next 3, 5, 10 years? Or do you eventually want to buy a place? how much will that cost vs your current expenses?  That being said, I didn't max out but had over 8-10% of 401k contribution in the same situation you're in right now and I don't regret it.  Rereading your question, I see you are considering investing in a Roth IRA. Especially at your current age, assuming your wages will go UP, investing to the company match with the 401K and then maxing out a Roth IRA would be my recommendation. THEN continue maxing out the 401k (if you wish).  P.S. I highly recommend doing two things if you go down this path: