I currently live and work overseas where I make less than the Foreign Earned Income Exclusion (FEIE). I am paid in USD but pay no income taxes.
My company is offering a Roth 401K with access to American Funds. Most of the offered funds (including target date funds or build your own portfolio funds) have expense ratios of 1.3% to 1.8% depending on how aggressive the fund.
I already have ~$20,000 in VTSAX at Vanguard. (It's small, but hey, I'm new!) This is a taxable account, which is all I had access to prior to a new job.
My question is: does it make more sense to max out my Roth 401K to $18,500 or to only put in the minimum to get the employer match? The expense ratio is significantly higher on the Roth 401K, but it is tax-free for life? I plan on investing ~30K this year. The minimum I'd put into the 401K is around $1500, but I could put up to ~$12,000 plus the match.
Also, what happens after I leave this job? I'm only 28.