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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. Trace & Balance Wobble Board

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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. Trail RS Evo Helmet, Night blueee - S M

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