Roth IRA vs 401k — Which One Should You Use First?

Most Americans have heard of a Roth IRA and 401k but nobody ever explains which one to use first. In this video we break down exactly how both accounts work, the key differences, and the simple step by step order you should follow to maximize your retirement savings.
What you will learn in this video:

What a 401k is and how it saves you money on taxes
What a Roth IRA is and why it is so powerful
The exact order you should contribute to each account
How employer matching works and why it is free money
A real example showing $2.4 million by retirement

Best platforms to open a Roth IRA today:

Fidelity → fidelity.com
Schwab → schwab.com
Vanguard → vanguard.com

⏱️ Timestamps:

0:00 — Nobody explained this to you
0:45 — Welcome back to Stack Smart
1:30 — What is a 401k?
3:00 — What is employer matching?
4:30 — What is a Roth IRA?
6:00 — Which one should you use first?
7:30 — Real life example $2.4 million
9:00 — Your action step today

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Disclaimer: This video is for educational purposes only and is not financial advice. Always do your own research before investing.

Видео Roth IRA vs 401k — Which One Should You Use First? канала Stack Smart