Start by looking at your income. There are income limits for Roth IRAs , so if your income is above those limits, then it's a no-brainer:
Sure, there's always hope. But how much depends on how willing you are to make a concerted effort to improve your retirement prospects over the next 20 or so years.
Today we continue our two-part series on understanding retirement accounts. An IRA is simply an account that you can shelter your retirement in to help you save on taxes.
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