The start of a new year is a great time to pledge to better your long-term financial picture. And that might include signing up for a retirement plan.

Now in that regard, you have choices. Anyone with earned income can open an IRA. But if your employer offers a 401(k) plan, signing up could mean easy contributions (since they're deducted from your pay automatically) and a potential company match. That's free money for your future self.

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Source Fool.com