Don’t bother with beer and wine. Rarely are they any good.

Here’s a possible reasons. Most 401k plans have administration fees on top of the fee embedded in the fund. Some employers pay that themselves, but if they don’t, you may be better off rolling it over.

It depends. Usually the fees are lower in an Ira than a 401k, but not always. And your choice of funds is much is wider in an IRA. If you aren’t getting a match, it’s definitely worth looking into.

The fact is, no one knows whether their tax rate will be higher or lower in retirement than while working, so it pays to diversify with both Roth and traditional contributions. You then have more control over your taxes and withdrawals in retirement.