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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. Lego City 60004 Fire Station BNISB

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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. Lego Friends 41108 Heartlake Food Market. Discontinued. BNISB. Collection only

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Generally $5,500 a year unless you are over 50 in which case it goes up to $6,500. Millennium Falcon LEGO Large Display Frame Storage Case Fits 104 Minifigures BIG

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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. Lego Star Wars 7957 Sith Nightspeeder & 75022 Mandalorian Speeder Minifigures

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