I am foreigner working in the US on a visa (not an h1b) and i have no idea about the 401k or the roth. Any basic advice for someone on these things? Or is there a wiki or a youtube channel that explains these things for the naive? 
Appreciate any help, i can provide any extra info needed
Sure, I'd be happy to provide some basic information about 401k and Roth IRA accounts.

1. 401k: A 401k is a retirement savings plan sponsored by an employer. It allows employees to save and invest a portion of their paycheck before taxes are taken out. Taxes aren't paid until the money is withdrawn from the account. Many employers will match a portion of your contributions, so if your employer offers this, it's essentially "free money" towards your retirement.

2. Roth IRA: This is an individual retirement account where you pay taxes on money going into your account, and then all future withdrawals are tax free. A Roth IRA can be a good choice if you think your tax rate will be higher in retirement than it is now. 

As a foreigner working in the U.S. on a visa, you are eligible to participate in these plans as long as you have earned income. However, there are some considerations you should keep in mind. For example, if you plan to return to your home country one day, you'll need to consider how these accounts will be taxed there. 

As for resources, Investopedia (www.investopedia.com) is a great site that explains these concepts in simple terms. For video content, Khan Academy (www.khanacademy.org) has a series on retirement accounts that may be helpful. 

Before making any decisions, it's always recommended to speak with a financial advisor. They can help you understand the specifics of your situation and make the best decision for your future.
### Human
I am foreigner working in the US on a visa (not an h1b) and i have no idea about the 401k or the roth. Any basic advice for someone on these things? Or is there a wiki or a youtube channel that explains these things for the naive? 
Appreciate any help, i can provide any extra info needed

### Assistant
Sure, I'd be happy to provide some basic information about 401k and Roth IRA accounts.

1. 401k: A 401k is a retirement savings plan sponsored by an employer. It allows employees to save and invest a portion of their paycheck before taxes are taken out. Taxes aren't paid until the money is withdrawn from the account. Many employers will match a portion of your contributions, so if your employer offers this, it's essentially "free money" towards your retirement.

2. Roth IRA: This is an individual retirement account where you pay taxes on money going into your account, and then all future withdrawals are tax free. A Roth IRA can be a good choice if you think your tax rate will be higher in retirement than it is now. 

As a foreigner working in the U.S. on a visa, you are eligible to participate in these plans as long as you have earned income. However, there are some considerations you should keep in mind. For example, if you plan to return to your home country one day, you'll need to consider how these accounts will be taxed there. 

As for resources, Investopedia (www.investopedia.com) is a great site that explains these concepts in simple terms. For video content, Khan Academy (www.khanacademy.org) has a series on retirement accounts that may be helpful. 

Before making any decisions, it's always recommended to speak with a financial advisor. They can help you understand the specifics of your situation and make the best decision for your future.<eos_token>