Don’t invest in something you can’t explain. So make sure you find someone who has the heart of a teacher to help you.
How should the 15% to retirement be divided between my 401k and my Roth IRA?
I would max out the Roth, then contibute the rest towards your 401K. The link above will guide you to an ELP that Dave and Rachel recommend and will probably tell you the same thing.
Sorry- misspoke here. If your employer matches your 401K, then max that sucker out. Then toss the rest in a Roth. The matching 401K is free money! But still, check with Dave and Rachel’s ELPs- they won’t steer you wrong.