 And I would say to that, part of it depends on how good of a saver you are. Because the advantage to a 401k, the idea is that you don't see it, right? They take it out before you get your paycheck. Are you disciplined enough to take that money and put it in an IRA? If you are, then you're going to have a lot more options. But if you're not, then I would go with the 401k for savings.