Key Points 401(k) and Roth 401(k) plans are two ways to save for retirement. In a traditional 401(k), your contributions are tax deferred, and taxes apply only when you begin making withdrawals in retirement. In a Roth 401(k), you pay taxes before you make your contribution, but pay no taxes once you start withdrawing the money. Investors rethink ‘hands off’ investing and decide to start making real money Personal finance guru Dave Ramsey recently weighed in on the subject of 401(k) retirement pl ...