401(k) alternatives

IRAS

["These tax-advantaged accounts often come in traditional or Roth varieties and are named after the IRS code section that created them."]

A 401(k) is a common retirement plan offered by employers, but "alternatives" hints at other tax-advantaged savings options. The answer "IRAS" refers to Individual Retirement Accounts, which serve a similar purpose but are set up independently. The plural "IRAS" fits the crossword’s letter count, as "IRA" alone would be too short. It’s a straightforward definition with no wordplay—just a financial term swap.