 Yeah, the Roth IRA is a great invention, and there are ways for you to put money in, even if you are taking advantage of a 401k through an employer. Matter of fact, many employers offer a Roth 401k. That's a way for you to put an after-tax dollar away for your retirement. The beauty of this is, now, one of the bad things is you don't get to write that money off on your taxes at the tax time at the end of the year. But the beauty is, when it's time to take the money out, when you take it out, you don't owe taxes on any of the money you put in, and you don't owe taxes on any of the growth.