For most people, an IRA is the way to go
If you're already saving in an employer plan up to the match—or if your employer doesn't offer a plan—your best course of action is to open an IRA, which is an account with tax benefits specifically created for retirement.
There are two types of IRAs. Most people choose a Roth IRA in order to benefit from tax-free earnings* and other perks.
No matter which kind of IRA you choose, the tax breaks you get can mean more money for your retirement.