There’s no such thing as a free lunch, or so the well-worn axiom goes. But when it comes to retirement-savings strategies, a Roth IRA comes pretty darn close. As long as you follow the rules, a Roth will provide a tax-free source of income when you retire. If you don’t need the money, you can leave it to your heirs, and they won’t have to pay taxes on the money, either. And it’s never too early—or late—to invest in one.
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