This has been a long time coming. For over 3 years, I’ve invested 5% of my salary into our company 401K.  That’s the amount I needed in order to get the 4% match from my company – which everyone in the personal finance world knows is free money never to be left on the table. The problem was, our company 401K was in Fidelity with crazy high expense ratios.  I hated knowing how much money they took just to run these investments, and I’ve seen the documentaries and calculators showing you just how much it can affect your returns. But then, last year, we (amazingly) pushed through a switch to…