Open a Roth IRA

From Kiplinger and Yahoo Finance: "Why You Need A Roth IRA."

1. You can invest $5,000 per person per year. (Couples $10,000).
2. You do not get the tax deduction now, but you will not pay tax on the tax deferred growth and when you retire you are not forced to take Required Minimum Distributions/ or pay tax on distributions if you decide to take money out.
3. Beware of the income limits.
4. You can withdraw your contributions (not earnings) at any time without tax penalty.
5. Special tax breaks for home, education and medical expenses.

If your company is not giving you a match in your 401k, open a Roth.
http://finance.yahoo.com/focus-retirement/article/106797/Why-You-Need-a-Roth-IRA;_ylt=AirBN2_8XNyDO4jZaU369Zi7YWsA?mod=fidelity-startingout