is it better to invest in a roth ira or a 401 k 
there are many variables to consider when choosing a roth ira or a 401 k retirement account each type of account provides an opportunity for savings to grow tax free roth iras do not provide tax advantages when you make a deposit but you can withdraw tax free during retirement the reverse is true for 401 k s these types of accounts involve contributing a portion of your paycheck to a 401 k prior to income tax deductions in terms of contribution limits roth iras are typically lower than 401 k s additionally 401 k s allow employers to make matching contributions on the flip side 401k s often have higher fees minimum distributions and fewer investment options 2829