What is the main difference between a 401K and a Roth IRA O Contributions into a 401k are tax deductible where a Roth are not Contributions in a 401K are done as pre-tax where a Roth is done after-tax O Contributions in a 401k carry no withdrawal guidelines where a Roth does Contributions in a 401K are taxed upfront where a Roth is taxed upon withdrawal