What matters most
- Get the 401(k) match first if one is available.
- An IRA may be better next if your plan has weak fund options or high fees.
- Once the basics are covered, consistency matters more than endless optimization.
Best next step
If you already used the calculator, this is the point where you stop browsing and choose an action path. The goal is not perfect optimization — it is the highest-confidence next move with the least wasted time.
See your retirement gap