human
Which is better, a 401k or a roth ira?
assistant
A Roth IRA can be a great way to save for retirement. It offers tax-free growth and withdrawals in retirement, which can help you avoid the higher taxes that would otherwise apply to your income. A 401(k) plan may also offer tax advantages but they are not as generous as those offered by Roth IRAs. So if you want more control over your money and the ability to take advantage of tax breaks, then a Roth IRA might be the better choice.