401k-IRA----SAVINGS?

[WildKat]

I'm looking to put away prob an extra $100-200 a month into something....I currently have 401k at 11%....should I try a roth ira? I know $100-200 is not much, but Im just trying to put some money away somewhere where I cant touch it.....I have about $2500 disposable a month, but find that having it in my savings account is not keeping it away from me and gambling, drinking and drw's.....I can put a little more...but I know nothing about anything other than 401k.

[Big Pimpin]

Roth is a great way to go

[jbrent95]

You can easily set up a Roth through a company such as Fidelity or Vangaurd that auto-debits your checking account. It will take less than an hour to set it up online. Also some of the larger banks (BOA, Wells) and many regional banks (USAA, etc) offer the same thing. I would make sure that you select a company and account type that charges no fees for the auto-debit and requires no minimum.

[Classic Rock]

max your 401k if you can. roth,not for everyone depends if you will have more spendable money than you do now.Vanguard fees are the lowest i know

[justdonating]

Max your 401k
Max your IRA

After that you have several options including stocks, CDs, bonds etc.