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Hey, question.... Why do you need a Roth IRA if you're contributing to a company 401K??? Is this so you can contribute to the max on both each year allowing more saving?

I currently have a tiny annuity IRA, am contracting with a company that has a 401K with no matching and the contract is up in a month or so. I'm looking at a perm job with a 401k that also has no company matching. AND I'm paying off 32K in CC debt. I REALLY want to fund my retirement while paying down debt, should I get a Roth? I'm confused...
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