just learned how these retirement accounts work 😌

I used to avoid anything with “401k” or “IRA” in it—felt too complicated. But it finally clicked. A 401k is offered by your job (and sometimes comes with free money via matching 🙌), while a Roth IRA is something you open on your own. The big difference? Roth = pay taxes now, withdraw tax-free later. Traditional = no taxes now, but pay later when you retire. Also found out about “vesting”—basically, you need to stay with a company for a few years to keep their match. Not financial advice, but this helped me stop feeling overwhelmed. Anyone else learning this stuff a little late? #personalfinance #retirementready #401k #rothira