My goal is to max out 401k as well as Roth IRA. I don't think I could max 401k AND have a traditional IRA. I also like the fact that it diversified holding and tax rules on both accounts may change over the next 50+ years.
That's my belief also.
This year I am going to max out my 401k to the tune of $23,000 by the last paycheck of the year. That pretty much only leaves me the choice of a Roth IRA for an additional $6,500. I have already funded the Roth, and my 401k has hit the $17.5k, and is now filling out the $5.5k "catch-up" for people over age 55.
I don't have so many years left before real retirement, so I'm packing away everything I possibly can right now. Also, if the company I work for decides to let more IT people go and I get the axe, at over 55 I'd have trouble finding another IT job that pays as much around here. So, I could raid the Roth easier for some living money as a last resort if needed.