Which Retirement Plan Is Best? 
Which retirement plan is best ? The one that you actually do . It is more about the habit of saving than anything else . Developing a savings habit will aide anyone in retirement . Waiting for the optimal plan `` before '' you start saving is sort of an excuse I hear many times from people who are n't savers . They fail to set aside funds for the future in any form because it is n't of value to them yet . There are many retirement plan choices , there is no `` best '' as putting zero dollars aside ends up with zero saved . The `` best '' plan is the one where you decide to save and contribute money to . 