just had a question krj city pensions. i've been a retired police officer for two years. i've been in the city pension system for over 20. what is this difference between a 457 plan or a roth ira and what are the pros and cons between the two plans. >> i'll have to ask you to check with your people at your pension plan the 457 deferred plan i'm not sure how that works and i can't cuff something here. it's too important i don't feel comfortable offering advice on that particular situation. >>> before you can think about nova scotiaing in stocks, pay off your credit card debt, get health and disability insurance then create a portfolio together. on "mad money" tonight, i want you to be diversified and the same applies for your 401(k). i'll show you how to balance your retirement plan. should you ever tinker with your contribution level? don't miss my take. the 401(k) isn't the only game in town. i'll tell you when it makes sense to add an iery to the mix. "mad money" will be right back. . th'shy i have the sparcash card from pital e. g making everdollar cou. with it, iarn u