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You can have both so I'm not sure why you feel the need to choose one. Roth IRA is more flexible since you can withdraw contributions penalty free anytime.
You have more flexibility with an IRA. That said make sure to contribute to 401k first at least to company match limit.
Roth 401k has RMDs and less investment options compared to a Roth IRA. I go normal 401k up to company match, then Roth IRA for the $6k limit and then anything else you can decide if you want to go roth 401k vs traditional 401k
Yeah, just calling it out though because you’re right only so long as legislation does not change the rules before you roll your funds over
401(k) are run by companies - companies can have their own limiting rules.
I fully fund both a 401k and a Roth IRA (via the backdoor method). This way I’m hedged regardless of where my tax bracket falls when I retire.