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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. NEW Advanta X5 Feeder Rod - AD061

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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. NEW Airflo Fishing Kit Rod & Reel 10ft 8 WF Floating Fly Line F-AIRKIT-1078

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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. NEW Airsoft CS Predective FMA FAST Helmet-PJ TYPE highlander TA792 L XL

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