What to do other than 401k and Roth IRA?

[yellow heel]

Thanks Ima saver. I will look into vanguard. Which brokerage company do you have to buy the vanguard mutual fund?

[autoxer]

Jaynen was explaining that some employers now offer a Roth 401k, instead of a regular 401k. With a Roth 401k, you contribute with aftertax dollars, but don't pay tax when withdrawing in retirement. I think it is a good idea to pay the tax now, because the tax rates will more than likely go up.