<prompt> Human: My husband is getting back to work after being a stay at home dad for almost 2 years. I think he needs to open a roth ira for retirement asap even if its just a small amount deposited a month-he will be working for a small business part time and my brothers very small business on the side, no 401k. As of right now he has no retirement savings. He thinks it would be better for him to open a savings account because I may die before I can retire.We are in the process of building up an emergency fund and a regular savings so I think he is doing the wrong thing but I get so frustrated with him when he says these things.Long story short-roth IRA or regular savings and why? For his very stubborn arguments  <response>: I may die before I retireThis is a self-fulfilling prophecy if Ive ever seen one. Of course you will die before you can retire if you never save for retirement youll have to work until you die. 