这种think ahead, plan ahead的精神可佳啊。401K公司给match 25%是很不错的。如果真的想放一些钱到roth ira，可以开一个。It's your choice whether you wanna max out the contribution or not. You dont have to pay penalty on gains when making withdrawal from the fund. However, if you wanna take money from the pricipal or close the account, you will have to pay penalties and taxes (on interests).