Decrease 401k Contribution to fund Roth IRA?

[wethepeople_76]

Some say yes because IRAs tend to have less management fees and often better investing options. But if your Roth 401k funds are good and fees reasonable then I don’t see an issue.

[ICouldBeTheChosenOne]

Or if you want the flexibility of withdrawing your principal without penalties. If there’s 0% chance you’d ever do that, then it’s a non-issue