Starting a new job. I've got my 401k and Roth money consolidated in Fidelity. Need to make my benefits elections with the new company now. They match 6% but it vests over 5 years. What's the best approach or ratio to split 401k vs IRA contributions? What is this backdoor everyone keeps talking about? Appreciate any insights!

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Forgot to mention, I'm shooting for 2-3 years in this role at the moment.

I would put 6% in 401k to get the match and then IRA. Do you need to use backdoor IRA?

Thanks! This was with my previous employer but point taken going forward with my next employer

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