I’ve researched my options and am really positive about the fact that I’m addressing this now, in my mid-twenties, when there is plenty of time for my investments to grow and benefit me later in life.

The big question is, since I’m self-employed, do I want to go with a Roth IRA or a 401(k)? I’m leaning toward Roth so that I can take advantage of my lower tax bracket now and not have to pay taxes on withdrawals when I’m retired. I still need to do a bit of research, but I think I know which way I’ll go. 5 months ago