If the 401k fees are reasonable, lets say under 1%, I would put some money in it. The reason is it happens automatically. I would also put money in the Roth. Especially if her current taxes are low.
However, If she can have her payroll department deposit a contribution to her Roth then I would max out the Roth and if there are additional funds do the 401k. She might need a checking account at a broker and her payroll dept could deposit to that if they will not do the Roth.
|