Whats this?
All my money is pretty much tied up in empty 40oz'ers. Investment 101.
http://en.wikipedia.org/wiki/Roth_IRA
401K: your contributions are tax deductible. When you withdraw from it, you pay taxes at your applicable tax rates at time of withdrawal on the growth on your contributions.
Roth: Contributions are not tax deductible. However, you can also withdraw your principle if you need it (without penalty, unlike a 401K), and the growth is tax-free. That is huge if you start early.
My wife and I have had a Roth since my first year in college.