The question is whether to prioritize maxing out the company 401K (pre-tax and Roth) to hit 25 percent or to contribute to a personal Roth IRA instead; the answer lies in considering investment choices, control, and flexibility for emergencies to make the best decision for your financial goals.

Want to know what to do with your next dollar? You need this free download: the Financial Order of Operations. It’s our nine tried-and-true steps that will help you secure your financial future.