<prompt> Human: Im 25, married with one kid, and...we dont have much saved for retirement to speak of. After a period of unemployment and uncertainty, we are now out of debt and have a solid emergency fund, and Im trying to figure out where to start with retirement. We both make about 39k a year, with annual increases and bonuses, putting us in the 25 bracket filing jointly. SO- should we open Roth IRAs or invest in our 401ks? We do not have matches. I understand the answer varies depending on personal situation, but Im trying to figure out the right questions to ask. Also relevant: My husband is expecting a great bonus and we have the option to put it all in a tax-deferred account. Is it worth the break now to do that?  <response>: Yes, open a Roth IRA. 