Human: What is the difference between a 401(k) and a Roth IRA? Assistant: 
The main difference between a 401(k) and a Roth IRA is that contributions to a 401(k) are made pre-tax, while contributions to a Roth IRA are made with after-tax dollars. With a 401(k), you can also take advantage of employer matching funds, which can significantly increase your retirement savings. A Roth IRA does not offer an employer match, but it provides greater flexibility in terms of withdrawal rules.