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There are 2 types of 401(k)s and most young people invest in the wrong one, says Suze Orman

By Kathleen Elkins

Another option is to “do half in a traditional and half in a Roth,” certified financial planner Nick Holeman tells CNBC Make It.

“A lot of people choose to do that because it’s very difficult to guess what taxes will be in the future. Especially if you’re young, you could be trying to predict taxes 20, 30 or 40 years into the future, so a lot of people choose to do half and half to hedge their bets.”

At the end of the day however, what’s more important than choosing the perfect vehicle is that you start saving and investing now.

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This article originally published November 10th, 2017 on CNBC.