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Written by Beth Reynolds
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Dividing your money between an employer-sponsored retirement plan and a Roth IRA lets you deversify your savings between taxable and tax-free income. Contributing to your company's retirement plan is a smart and safe bet, but if you have matched your company's full contribution amount , move your money to a Roth IRA. As a single person, you can invest the max amount of $4,000 in a Roth in 2007 if your income is $99K or less, and make a partial contribution if your income is between $99K and $114K. If you have maxed out tyour IRA, you can save even more by switching back to your company's retirement plan.
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Written by Neil Prat
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Retirement Saving Does'nt Have To Be Complicated, The Key Is Starting Early. You don’t need a lot of money or a grand money scheme. When asked if they could come up with an extra $20 per week to put aside, most people say yes. That adds up to$1,000 per year, and a grand isn’t chump change. Where to find the extra 20 bucks? Trick yourself into spending less and saving more. You can make it a habit to pay for gas at the pump to keep yourself from making impulse purchases at the service-station convenience store. Other ways to come up with a few extra bucks: If you deposit your paycheck directly to your savings account, you’ll think twice about withdrawing cash. Limit yourself to one ATM withdrawal per week, and make your cash last until the next time.
Toss your spare change into a jar on your desk or dresser and watch your money grow to hundreds of dollars—enough to finance holiday gifts or next year’s vacation.
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Retirement 
