Is there a reason to open Tradiational IRA and Roth IRA outside of your 401(k)?
It seems like it work like this? If your goal is to pay less tax now because tax bracket is high, and pay tax when you retire, then go for the "pre-tax" contribution into the 401(k). And you can contribute into your Roth 401(k) as well, which is "after tax". But if you do that directly, it will "e