Where to start?

[savingdealz]

Roth IRA is one of the best choices.

[Ima saver]

I agree, open a roth IRA at a mutual fund, like Vanguard. (no load and low costs)

[Adirondak]

What about 401 ks that offer an after tax option? Is that essentially the same thing as a roth? Also, do employers still match the exact same when you use this option?