(23M) Fresh out of college and my income is now $90k. Currently have ~$4000 in Roth IRA which I’ve had for a little over 2 years. Currently only contributing $100/mo (was contributing $250 but I moved some money around to buy company stock). Company gives 3% 401(k) matching so I contribute the 3% and contribute 7% to the Roth 401(k). Total amount in these employer account is ~$5500 for a total of around $9500 in retirement savings.
Should I pull $400/mo from the Roth 401(k) to max the Roth IRA out or is there no appreciable difference in spreading contributions between the two?