I’d just like to say fuck VOYA 401ks for only allowing you to buy high expense ETFs and limiting self directed accounts to only half your account value in addition to a bullshit $100 yearly fee.

Regular IRAs are riskier in the long run though. The extra cash from the tax breaks is nice, but they’ll more than likely get taxed to hell when you finally are able to withdraw from it. ROTHs are more resilient to changes because the rich use them to avoid taxes, so it has protections from changes by the government.