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The article presents pieces of advice related to retirement planning. It is important to determine the amount of money needed to maintain one's lifestyle in retirement. The author states that planning early may have an advantage if a person works for an employer that not only offers a 401(k) but also provides a company pension.

The article offers investment advice by knowing about the Roth 401(k) retirement plan, a hybrid between the 401(k) plan and the Roth IRA. The Roth 401(k) option appealing if a worker is young or at the start of his/her career, and he/she feels he/she may be in a higher tax bracket during retirement. Meanwhile, the traditional 401(k) is attractive, if an employee is nearing the end of his/her career and he/she wants to lower the amount of money that he/she is taxed on today.