QUOTE (treyj14 @ Jan 13 2009, 12:46 PM)

I just got out of college and I'm wondering if anyone can give me some advice...
Should I start investing in a 401(k) that doesn't have a company match, or a Roth IRA?
Thanks.
You need both.
Life can bring some strange things your way over the years.
Use both. Have a portion of your retirement in a Roth.
Taxes have never gone down but they ALWAYS increase.
How much are taxes now?
How much will they be when you retire?
Trust me they always go up.
If you have a Roth you pay the taxes NOW.
In a 401K you pay them when you withdraw and if something happens that is
unforseeable (Like real life is) and you need to withdraw from your 401K you are penalized and pay 20%.
With the roth, your money is your money.
Think about that.