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	<title>Comments on: Reader Mail: Company Matches and Roth IRAs</title>
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	<link>http://thebillfold.com/2012/04/reader-mail-company-matches-and-roth-iras/</link>
	<description>Everything About Money You Were Too Polite To Ask</description>
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		<title>By: Mike Dang</title>
		<link>http://thebillfold.com/2012/04/reader-mail-company-matches-and-roth-iras/#comment-137</link>
		<dc:creator>Mike Dang</dc:creator>
		<pubDate>Thu, 05 Apr 2012 16:07:55 +0000</pubDate>
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		<description>@travelmugs We have a &lt;a href=&quot;http://thebillfold.com/category/how-tos/&quot;&gt;&quot;How To&quot;&lt;/a&gt; section! This &lt;a href=&quot;http://thebillfold.com/2012/03/what-you-need-to-know-about-traditional-and-roth-iras/&quot;&gt;one will help you out!&lt;/a&gt;</description>
		<content:encoded><![CDATA[<p>@travelmugs We have a <a href="http://thebillfold.com/category/how-tos/">&#8220;How To&#8221;</a> section! This <a href="http://thebillfold.com/2012/03/what-you-need-to-know-about-traditional-and-roth-iras/">one will help you out!</a></p>
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		<title>By: travelmugs</title>
		<link>http://thebillfold.com/2012/04/reader-mail-company-matches-and-roth-iras/#comment-135</link>
		<dc:creator>travelmugs</dc:creator>
		<pubDate>Thu, 05 Apr 2012 15:57:04 +0000</pubDate>
		<guid isPermaLink="false">http://thebillfold.com/?p=865#comment-135</guid>
		<description>Can I get a tip on how to actually open a Roth IRA, or IRAs in general? I remember being overwhelmed with paperwork when I started my job and the benefits kicked in, so I&#039;m currently putting more than the match amount in the default 401(k). 

Who would I even talk to about opening an IRA? My bank? The HR people at my work? Is there a website for it?</description>
		<content:encoded><![CDATA[<p>Can I get a tip on how to actually open a Roth IRA, or IRAs in general? I remember being overwhelmed with paperwork when I started my job and the benefits kicked in, so I&#8217;m currently putting more than the match amount in the default 401(k). </p>
<p>Who would I even talk to about opening an IRA? My bank? The HR people at my work? Is there a website for it?</p>
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		<title>By: Mike Dang</title>
		<link>http://thebillfold.com/2012/04/reader-mail-company-matches-and-roth-iras/#comment-133</link>
		<dc:creator>Mike Dang</dc:creator>
		<pubDate>Thu, 05 Apr 2012 15:22:00 +0000</pubDate>
		<guid isPermaLink="false">http://thebillfold.com/?p=865#comment-133</guid>
		<description>@bloodorange Yes! Thank you for this! If your company offers a Roth 401(k), that&#039;s something to consider, though the match will go into a separate account that will be taxed during retirement. Some companies don&#039;t want to deal with this, so they don&#039;t offer a Roth 401(k), but your company&#039;s payroll or HR person should be able to explain their offerings to you.</description>
		<content:encoded><![CDATA[<p>@bloodorange Yes! Thank you for this! If your company offers a Roth 401(k), that&#8217;s something to consider, though the match will go into a separate account that will be taxed during retirement. Some companies don&#8217;t want to deal with this, so they don&#8217;t offer a Roth 401(k), but your company&#8217;s payroll or HR person should be able to explain their offerings to you.</p>
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		<title>By: bloodorange</title>
		<link>http://thebillfold.com/2012/04/reader-mail-company-matches-and-roth-iras/#comment-131</link>
		<dc:creator>bloodorange</dc:creator>
		<pubDate>Thu, 05 Apr 2012 15:10:42 +0000</pubDate>
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		<description>Actually, there such a thing as a Roth 401(k), too! A quick Google seach yields some more info: http://www.smartmoney.com/retirement/planning/understanding-the-roth-401k-17679/ The non-profit I work for does 401(k) matching, and I opted for the Roth - if that&#039;s an option for you, that might be the best of both worlds.</description>
		<content:encoded><![CDATA[<p>Actually, there such a thing as a Roth 401(k), too! A quick Google seach yields some more info: <a href="http://www.smartmoney.com/retirement/planning/understanding-the-roth-401k-17679/" rel="nofollow">http://www.smartmoney.com/retirement/planning/understanding-the-roth-401k-17679/</a> The non-profit I work for does 401(k) matching, and I opted for the Roth &#8211; if that&#8217;s an option for you, that might be the best of both worlds.</p>
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