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other people's money. Of course, you still need to monitor a 401(k) like any other portfolio. Also, your 401(k) is tax deferred, much the same way a Traditional IRA is, while this is great for tax purposes now, it has the same drawbacks, as far as tax is concerned. It is best to have both types if your MAGI allows it. That way you have a retirement vehicle that is tax DEFERRED and one that is tax PREFERRED.

Where do I go to set one up?

Most financial institutions have vehicles that can be structured as a Roth. Banks, Savings and Loans, and Credit Unions can offer savings accounts, FDIC or NCUA insured money markets, and CD's, that can be used as Roths. It is important to remember that these are fixed rate of return products and are insured by their respective insuring bodies. There are also stock accounts, mutual funds and certain life insurance products that can be structured as Roths, but these are usually variable return products tied to the markets and as such, carry with them the risk of loss. For these you can go through a traditional broker or you can structure some online trading accounts as IRA's through folks like Sharebuilder. It is important to review your situation and decide where your risk tolerance lies before investing in the market. Also make sure you do your "due diligence" on any company you choose before investing.

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