Submitted by InterestingGiraffe52 t3_11qoye8 in personalfinance

As title says, my company matches 3%. I asked them I want to enroll in it. Long story short, they said it would be better for me to enroll in a Roth IRA instead because of how the market and taxes is? I wasn't too sure on what they were trying to explain to me since they just dropped a bunch of information and this is all new to me. I currently have a small personal savings which I plan to add to a HYS. But I don't have any retirement savings yet. Do I sign up for a 401k, Roth IRA, or even both? Thanks in advance!

Edit: I make around 60k/ year. I also remember them telling me that because I don't make much, the money that I save would be better in a Roth IRA, vs a 401k.

Edit 2: they suggested Roth IRA.

Edit 3: they suggested to go through my own Roth IRA vs going through the 401k.

Edit 4: they = my boss = owner of the company

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