When it comes to investing for retirement, there are several types of accounts you can choose from. But if you’re young, experts say a Roth option can be especially smart to start with.
“Typically, the younger you are, the more a Roth makes sense,” says Patrick Huey, certified financial planner and owner of Victory Independent Planning in Portland, Oregon.
Unlike a 401(k) or traditional individual retirement account, which are funded with pre-tax dollars, Roth 401(k)s and Roth IRAs are funded with money that’s already been taxed. In exchange, your investments grow tax-free, and once you reach age 59½, you won’t owe taxes or penalties on qualified withdrawals.
Source: https://www.cnbc.com/2025/11/18/why-young-investors-may-want-a-roth-instead-of-a-traditional-401k.html