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What Are Retirement Accounts? A retirement account is a money box you open today, so you have money when you are old.

401(k) Plan A 401(k) is a money box from your job. Your boss may add free money if you put money in.

IRA An IRA is a money box you open by yourself. There are two types: Traditional IRA and Roth IRA.

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Roth IRA In a Roth IRA, you pay tax now. Later, you take money out with no tax.

Save Early Start saving when you are young. The earlier you save, the bigger your money box grows.

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