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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. FIXGEAR CS-G170 Men's Long Sleeve Cycling Jersey Bicycle Apparel Roadbike MTB

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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. FIXGEAR CS-W1502-SET Women's Cycling Jersey & Padded Shorts MTB BMX Roadbike

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Generally $5,500 a year unless you are over 50 in which case it goes up to $6,500. FIXGEAR CS-WM201 Women's Long Sleeve Cycling Jersey Bicycle Apparel Roadbike MTB

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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. FIXGEAR LT-W2 Women Cycling Padded Tights Road Mountain Bike Wear MTB Bicycle

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