<prompt> Human: One of my co-workers claimed that I should skip my employer 401k that matches 50 up to 6 of my salary in favor of a Roth IRA. He said that one of his friends is a financial adviser, and the adviser said that I would get more money by putting that 6 in a Roth IRA instead of the 401k due to tax reasons. Is this true? I am only 23 and would like to start out the right way!  <response>: Damn it...and that is why financial advisers get a bad name. Thats horrible advise unless his adviser can guarantee a 50 return on your contributions. The adviser is just being greedy because he cant make money on the 401k. 