This episode is sponsored by Smart Vester.

You're listening to Ramsey Everyday Millionaires, where we talk investing, retirement, building

wealth, and outrageous generosity.

Brandon is with us in Huntsville.

Hi Brandon, how are you?

I'm good, how about you Dave?

Better than I deserve, what's up?

I wanted to get your advice on my retirement investing, so my employer offers a Roth 401K.

Great.

If I put in 7%, then they will match 5%.

Correct.

So my question is should I put in 7% into my Roth 401 and put 8% into a Roth IRA, or should

I just put all of my 15% into the Roth 401?

I'd put 15% into the Roth 401 because it is a Roth version and there's the match there.

And then if for some reason your 15% maxes out your Roth 401K then you can move over to a Roth IRA.

It's amazing that they offer that benefit, that's a great benefit.

That's a great deal.

Now two things.

One is that's assuming that the mutual funds in your 401K are good ones.

You got good track record and mutual funds in there.

If you do, then J.J. is exactly right.

Now if your 401K is weak, I'd still take the match because 100% red return before we start helps even a week when go.

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