kingmoochr
WHARRGARBL
Neither of us have matching contributions, I have s pension and she gets a small amount every month for free from work. I guess it's time to sit down with someone educated beyond the internet... lolI'm rolling in my old IRA and 401(k) into the Betterment account, you definitely don't want to miss out on employer matching.
As far as optimizing your balance of pre and post-tax contributions, that's a complex balance that involves a lot of analysis of your specific financial situation.
I just changed jobs, working for a much smaller company now, and they don't currently have a 401(k) although they intend to start one before the end of the year. My plan is to fully fund that to the IRS maximum, and then try to max out Roth IRA's for both my wife and myself. That's about our best bet, but your mileage may vary.