<human>:  What is the difference between a 401K and a Roth IRA?
<bot>: The main difference between a 401K and a Roth IRA is the way contributions are taxed. With a 401K, contributions are typically made with pre-tax funds, while contributions to a Roth IRA are made with after-tax funds. Both offer tax-free growth and tax-deferred distributions, but the Roth IRA offers tax-free withdrawals on qualified distributions.