Radio host Dave Ramsey and AARP, the nonprofit advocacy organization for Americans over 50, have warned that 401(k) plans and Individual Retirement Accounts (IRAs) are important retirement savings tools for American workers. However, they also warn that a 401 (k) can fall short when the plan's investment menu is weak, high fees, or there is no Roth option available. A Roth IRA, an individual retirement account that allows individuals to build long-term savings independently of their employer, is recommended as a personal investment vehicle. However it may be insufficient if the plan structure makes it impossible for someone to reach a full 15% savings target solely through the 401(K). The best tool for investing beyond this is a Roth IRA. Despite these warnings, AARP suggests that a Roth IRAs can be used to enhance the investment choices and diversify across different fund types.