<human>: What is the difference between a 401k and a 401a?
<bot>: The main difference between a 401k and a 401a is that a 401k is typically offered by an employer, while a 401a can be offered by either an employer or an individual. A 401k allows employees to save for retirement through payroll deductions, while a 401a does not offer any tax advantages. Additionally, contributions to a 401k are usually pre-tax, whereas contributions to a 401a may be partially or fully taxable.