Then max out your 401k,at least to get the company match. Then invest any remaining funds in a taxable brokerage account and invest in stocks/etfs according to your risk tolerance.
A Roth IRA is not much. Save a lot more in a brokerage account once you have maxed any tax deferred accounts available too. Strive to have a savings rate as high as you can get it. Fifty percent or greater would be idea. This often requires taking steps to earn more. Also cut your expenses and be sure to keep arch investment fees.
1. Pay off bad debt- credit cards etc.
2. Max out 401k match
3. Maximize HSA (Fully fund and pay for health expenses out of pocket).
4. Maximize Roth IRA
5. Max out 401k
6. Pay off all debt other than mortgage (assuming a low rate).
7. 529 planning for kids.
