Balancing a checkbook has been shorthand for financial responsibility for generations. While it’s always been presented as a laborious, unenviable task, keeping your money in order is fairly simple as long as you stick to a routine. Since so much of our world is now paperless and digital, balancing your checkbook is easier than ever.

Retirement may seem like a long way away, but time moves quickly and it could be here before you know it. That’s why it’s important to establish a lucrative, reliable retirement savings and investment solution now. The most common types are Roth IRA and 401(k) accounts. They may seem similar, but they have a handful of differences that may make one option more suitable for you than the other.