I'm currently putting 18k into my 401(k). I have 12k debt left under 3.3%, and nothing else. I am just saving for a house at this point, as I don't feel it's worthwhile to pay off that 3.3% interest. However, I have no Roth set up as of now, and I know if I don't do anything by 2017 I miss this year. That's one more year of compound interest, and I'm only 31. I imagine that come December, when I have a stable 5 figures in my bank account, I'll probably bite the bullet and toss $5,500 into an account as one huge lump sum. Do I get access to better funds and ratios if I come in over $5k? Do I match it to what I'm investing in in the 401(k)? Do I accept the fact that on a 57k salary I can't put 18k into my 401k pre-tax, then 5.5k post tax, and still get into a house before I die?