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Roth IRAs are best when you think your taxes will be higher in retirement than they are right now. They can be especially good for young savers or in years when you don't have much other income. NEXT Dark Brown Leather Boots Block Mid Heel Calf Cowboy Pull Comfort UK 8 EU 42

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You can't contribute to a Roth IRA if you make too much money. For singles, this starts at $118,000. For married couples, it is $184,000. Next Ladies Leopard Effect Wedge shoes Sz 4 37 BNWT

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Almost all brokerage firms will offer a Roth IRA. You should consider a brokerage like Fidelity or E*Trade that offer low-cost funds. "Lifecycle" funds that automatically rebalance and adjust over time are especially good for Roth IRAs. Next Suede Flat Point Tassels Pumps shoes 7 41

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