Human: What is the difference between a 401(k), a 403(b) and a Roth IRA? Assistant: 
A 401(k) is an employer-sponsored retirement savings plan, while a 403(b) is an individual retirement account (IRA) that can be offered by educational institutions. A Roth IRA is a type of retirement savings plan in which contributions are made with after-tax dollars but withdrawals are tax-free.