 And the key you're looking for is tax advantages. So match beats Roth beats traditional. The match is free money. That's 100% rate of return. Take that. Next up, we have all of our Roth options. That would be the Roth IRA. Then we go to traditional. But because you have a Roth option with your 401k, you can just keep it simple and do all 15% there. If you go up, let's say your income goes up and you haven't hit 15% and you've maxed out the 401k, you can look into what's known as a backdoor Roth IRA.