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What's the difference between a 401k, IRA, and a Roth IRA?
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The main difference between a 401(k), an Individual Retirement Account (IRA) and a Roth IRA is how they are taxed. A 401(k) is typically funded with pre-tax dollars from your salary and may be subject to taxes upon withdrawal in retirement. An IRA is funded with after-tax money but does not have any required distribution requirements at retirement age. A Roth IRA is funded with post-tax dollars and has no required distributions until you withdraw funds in retirement.