Subject: Re: OT - advice for my son
Roth IRAs have some benefits (survive bankruptcy up to $1.5M, no taxes), but can't be contributed to above an income limit, and so are worth maxing out while you can. You can contribute to both a Roth IRA and a 401k.

"You can contribute to a Roth IRA (a type of individual retirement plan) and a 401(k) (a workplace retirement plan) at the same time. Anyone eligible can contribute to an employer's 401(k), but income limits apply to Roth IRAs."
https://www.fidelity.com/learn...