<prompt> Human: Hello, I am looking to start a Roth account through Capital One - my workplace does not offer one. Im considering two options - FDIC-Insured Savings Earn a great rate with no fees and no minimums.Investments Invest in stocks, mutual funds, and ETFs with no minimum.I cant put away much, but if it helps, I have no debt and I think it is a good idea to start one even if for now I cant put away much. Ideas? Or are there other places that you would recommend that I start my Roth account?I really appreciate it - Thank you!Assistant: When you say your employer doesnt offer a Roth, do you mean just a Roth, or nothing at all? If they offer a 401k with a match, you want to take advantage of that first. If not, Id recommend a Vanguard Target Retirement fund in a Roth.Human: My workplace has a 401k, but I thought that with my salary, I should end up doing a Roth? Seems to be the consensus from what I read, but I could be wrong...Im not so good with these things.  <response>: Do they match 401k contributions? If they do, you always want to take advantage of that before you invest in a Roth. If you dont, youre missing out on free money. If you have more to contribute to retirement after you get the full match, at your salary, you would put the rest into a Roth. After your Roth is maxed out, you go back to the 401k. If your company doesnt offer a match, start with the Roth, then move to the 401k. 