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Pros of Roth 401(k)s Higher annual contribution limits than Roth IRAs No income limits to be able to participate No required minimum distributions (RMDs), which Roth IRAs don't require either, but traditional 401(k)s and IRAs do Tax-free growth and tax-free withdrawals, like Roth IRAs but different than traditional accounts that can be taxed on withdrawal Cons of Roth 401(k)s Only available through employers, whereas Roth IRAs can be opened at the financial institution of your choice No upfront tax deduction, same as Roth IRAs, but unlike deductible traditional contributions Unless you're willing to pay a penalty, funds are generally unavailable until age 59 ½, whereas Roth IRA contributions (not earnings) can be taken out anytime Choosing between Roth IRA and Roth 401(k) Considering annual income A Roth IRA or Roth 401(k) may suit you better, depending on your financial goals and situation

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This is common with GHK-Cu injections and resolves on its own shortly after