This is Financial Insanity w-Scott McLean. Today's show is 401k and IRA decisions. There are important decisions that can impact your retirement. But first, what is the difference between a 401k and an IRA? Most people may not know they can contribute to both. What happens when you max out your iRA? Plus, the time to make a positive change in your future is now. Saving is critical. How do you break the bad habit of living without a budget?