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What is the difference between a 401(k) and a Roth IRA?
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The main difference between a 401(k) and a Roth IRA is that contributions to a 401(k) are made pre-tax, while contributions to a Roth IRA are made with after-tax dollars. With a 401(k), you can also take advantage of employer matching funds, which can significantly increase your retirement savings. A Roth IRA does not offer an employer match, but it provides greater flexibility in terms of withdrawal rules.