<human>: I'm a little confused about the difference between a 401k and a IRA. Which one is better?
<bot>: The primary difference between a 401(k) and an IRA is that 401(k)s are offered through employers, while IRAs are not. A 401(k) typically offers more investment options than an IRA and may offer employer contributions to your retirement savings plan. An IRA can also be used for other things besides retirement, such as education expenses or home purchases.