If you’ve arrived to your 30’s feeling like you don’t have as much invested as you should, you might not be as far behind as you think.

A Roth IRA is a retirement savings account that allows you to invest after-tax dollars into a variety of investments, such as stocks, bonds, and index funds. The biggest benefit of a Roth IRA is that your money grows tax-free, meaning you won’t have to pay taxes when you withdraw your money in retirement. This is different from traditional IRAs, where you pay taxes on your withdrawals.

Learning how to choose and change your 401(k) investments overtime can help you make and save thousands of dollars over your lifetime.

Make no mistake, if you have a 401(k) you are an investor.