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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. CLARKS Women's Juliet Monte Pump

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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. DREAM PAIRS Women's Fashion Over The Knee Heel Boots

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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. Cute Womens Flat Heels shoes Lace Up Hollow Out Platforms Pumps US Size BD6170

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