The difference between a Roth IRA and a regular IRA is an individual can contribute to a Roth IRA, whereas a regular IRA or 401k is contributed by pre-tax payroll deductions. Invest for retirement with both a Roth IRA and a 401k with advice from a registered financial consultant in this free video on finance and investment. bonds, CD, credit, finance, investment, IRA, money, mortgage, pension, retirement