The path may depend on your employer's plan offerings if it allows it at all. Note that there may be tax implications depending on your situation. you contribute 6% into your 401k, to get your employer to put in the full 5% match. I'd kick up you contribution to 10%, just to. right now i am contributing 20% roth to my 401k. I don’t get my employer match until a year after working, but my employer contributes 10% of my salary every year regardless (it’s only fully vested after 6…