So I’ve been wondering if the 401(k) past the employer match is actually worth it compared to just going straight to a taxable brokerage. My plan is match → max Roth → then I’m not sure. I know the tax-deferred growth is the main argument but between the limited fund options and higher expense ratios I’m not convinced it beats the flexibility of just investing in a taxable account. No HSA option for me either so it’s basically Roth vs 401(k) vs taxable after the match. What do you guys actually do?