gm - is a roth ira or a 401k a good option right now? how do i do finances

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As unfulfilling as this answer is, it’s as close to objective truth as you can get:

It depends. A lot.

Best advice is to seek a financial planner and discuss your life goals. That includes family planning, current work situation, etc.

More fulfilling is this video that had good general information on the various financial vehicles you can use and the order in which to consider using them:

More fulfilling is this video that had good general information on the various financial vehicles you can use and the order in which to consider using them:

https://youtu.be/UfR9WqxDhGk?si=o2QcaW1wUHy2kM_o