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Com slash invest. You're listening to Ramsey everyday millionaires where we talk investing, retirement, building

wealth and outrageous generosity. Langdon is in Paducah, Kentucky.

Hey Langdon, how are you?

I'm doing well, Dave and Ken.

How are you all? Better than we deserve, sir.

What's up? All right, so I'm just going to lay the foundation here before my question.

My wife and I, we each invest in our employer's 401k's up to the match percentage.

And what we put in goes into the Roth option.

Now we also, we also each have Roth IRAs on our own.

So this morning we're having our budgeting meeting and we're discussing okay here's the

percentage we're going to start putting into our Roth my wife and smarter than me

brings up the thought hey why don't we just load up our work retirement

on account of it's already a Roth option instead of putting it into our separate Roth?

What's the pros or cons or benefits to that? And I said, I'm going to

get an answer to you for you today and that's why I'm calling you guys. Okay. There's no difference if the

mutual funds are the same. If your work mutual funds

perform as good as your personal Roth mutual funds, there's no difference. The only

difference is you got a little bit more accessibility and control to personal

accounts than you do to business accounts

through your HR department or whatever right but it's these days with your web

access and other things with most 401ks it's just fine and as long as you're getting a good performing set of mutual funds at work

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