My sister in laws firm has no employer contribution in 401k. In that situation, which is better - putting money in a Roth or the 401K?

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Roth vs 401k / IRA is a calculation of tax band today vs at retirement

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Both. But probably IRA first given the expanded investment options

Roth. Let’s you withdraw contributions and much more flexibility. After maxing that out, and assuming you have enough cash, then 401k

Also look at 401k fees vs IRA. Likely the 401k if the form has no match etc is there to meet legal requirements not as an ee benefit.

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