Retirement: a topic that gives headaches. 401(k) or Roth IRA? Tough decision.

The Roth IRA has its charm. Tax-free withdrawals upon retirement. Not bad. More options to invest and withdraw money earlier if you need it. Sounds good.

The 401(k) is another story. You can save a lot more each year. And watch out, many bosses contribute extra money. It's like money falling from the sky.

The best move? Use both accounts. It seems complicated, but it's not that much.

First, make the most of what your boss gives you in the 401(k). Then, focus on the Roth IRA. If you still have money left over, go back to the 401(k).

That said, each company is a world unto itself. Meta, for example, has its own rules of the game. It's not entirely clear how they work.

In the end, mixing both accounts gives you the best of both worlds. Immediate savings and long-term benefits. Not bad for securing your future, huh?