Welcome to my “Should I…” series! In this series, I will answer questions that I hear frequently from my clients. I would love to answer your questions too. So leave any questions you may have in the comments below and I will answer them in a future “Should I…” post.

Should I invest in my 401k beyond the employer match?

Yes! I know that sometimes a financial advisor will suggest that you should just invest in your 401k to the point of the employer match, and use any remaining money you have earmarked for savings in an investment account, Roth IRA or traditional IRA. Unless you are a seriously disciplined investor who will, consistently and without question, invest additional money monthly into an investment account, I say put it in your 401k. It’s simple, it’s done automatically, you don’t have to think about it and you won’t be tempted to skip a month or two to spend that money on a vacation. Being a disciplined investor is the only way to set yourself up for a comfortable and worry-free retirement.