Key Points Don't assume a Roth account is right for you. Don't assume you can raid your Roth IRA or 401(k) at any time. Don't assume that you should keep your entire retirement nest egg in a Roth. The $23,760 Social Security bonus most retirees completely overlook › When it comes to saving for retirement, you have choices. You could contribute money to a traditional IRA or 401(k) for the tax break on the funds you put in. Or, you could save for retirement in a Roth IRA or 401(k). Roth retirement ...