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Originally Posted by gar1976
IRA and Roth IRA's are for people with no plan through work - if you qualify for a work 401(k), most of the rules prohibit you from putting into an IRA based on income limits.
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That limit is up around $100,000, IIRC.
I'd definitely do a 401k if possible -- especially if your employer matches your contributions, because that's free money -- and a Roth IRA if you can.