First of all you should know that opening an IRA is a very simple process. All you need is to provide some of your personal information which includes your birthdate and Social Security number. And pretty much that it.
When your workplace have saving plan then its most likely either 401(k) or IRA but there are also other options.
IRA is very popular choose when in comes to saving plans and thats because IRAs often offer more investment choices.
The reason why you should have a savings account is your investment returns will have a big impact on your savings over time.