<prompt> Human: I understand that the advantage of putting money into a 401K is that you can dont have to pay taxes on that money until you retire and this can help you get into a lower tax bracket.However, to my understanding, a Roth IRA is kind of the opposite because you pay taxes now but dont pay taxes when you withdraw it. Im confused how this is any different from just putting the money in your savings account.Is it about constraint? Are people afraid that if they put their money in the bank they will spend it? Im just trying to understand the differences in the the two retirement accounts.  <response>: A Roth isnt different than other after-tax investments from a contribution standpoint net of small things like the Savers Credit.Where you win is when you pay no taxes on the gains from a Roth. Over time, those can be bigger than the contributions. That doesnthappen outside a Roth in terms of the accounts you mention. 