Easy fix - max out the contribution, then roll it over to a traditional IRA.My issue with pouring lots of extra earnings into the stock market, especially a tax-deferred account such as an IRA/401/403/etc., is that it's tied up in the stock market, in a 401k/etc., you're beholden to your employer's HR department (i.e.: low IQ people) selection of 401k salesmen who have selected "great" funds for you to invest your hard-earned money.
Then comes the time when mandatory distribution might kick in and you don't necessarily need/want it at that point.
I know my groanings don't apply to all or possibly many, but I'm at a point where I will continue to contribute ~10% to an employer-sponsored plan but due to what seems like continuous volatility, I am looking for other avenues of investment outside the stock market.
So my thoughts are don't slam people for not throwing as much as they can into an employer-sponsored plan. Most of them suck with regard to choices of funds.
Fund selection problem solved.