I read the wiki but perhaps im having a hard time understanding what I should be doing.

Please stick with me. At my current company they match 100% up to 3% contribution and another 50% up to 6% so I currently invest the capped 6%. I got a late start to retirement savings because i was a dumb kid, im currently 33 years old. Im trying to decide whether I should up my 401k contributions so I invest closer to the max $19k yearly with no added free money from my employer or if I should do an IRA with the maximum $6k yearly. I just dont know much about investing and what would yield the best results.

I could keep writing more information but I feel like I would be overloading this post.

I appreciate those of you that read this and welcome any input and will answer questions that you may have.