401k has the nice advantage of free money by your employer matching a certain percentage of your investment into the 401k. Roth is a good thing to have also being that your money will be able to grow and grow towards retirement and it won't be taxed when you take it out. Therefore, you won't lose out on gobs of money when you're ready to retire. If only we could get rid of Social Security. All that money going to that could be put towards way better investments.