Exactly. Just because someone is maxing their 401k doesn't mean they're not contributing to an IRA of some sort. Personally I do both but the $5k limit per year is too little IMO. My company has lots of investment options for their 401k plan actually. However, the breadth obviously isn't as wide as with IRAs. The few funds I like which are not available on my 401k, I use my IRA to invest in those. Also, some people don't want to manage or watch over their IRAs so a 401k makes more sense to them.
CSL replicas are now CSL counterfeits. Jesus saves, like Valentine1.