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REDDIT

Explain it to me like I’m 5. Benefits of contributing to 401k and/or Roth IRA through my job

P
Jul 29, 2026 · 17:21

My company doesn’t match my 401k contribution (sweet) but I’ve been putting 5% in traditional 401k each paycheck. I haven’t put anything towards my Roth through work. Is this a mistake? My husband and I plan to do some other investing but wondering if I’m missing out by putting 5% towards traditional 401k and nothing towards Roth

Edit: I’m actually 4 and messed up my terms