so why don'te start with a roth ireaira. itay be the single greatest thing our government sone for low-inme famils since the en of hewarn povert which at best ended in a dra verty pssibly winning. told you how about a regular ira lets you take preincome tax vested and then your ga after year,ade after decade totally tax-free until you decide to witraw that moy whenou retire. a roth ira s different.with the roth, u ma contributions with after tax income. regular ira, ttg mone into aoth won't decrease your tax bill. on the other hand, once your moy is in a roth ira, you will ner y taxes on it again. as lg as your caremai in your account, you don't pay catagains tax. you don't pay divides tax. when you withdraw it which you ndo whout penal ag 59 1/2,ou don'tay y income tax on yur widrawal. is is fabulo in other wor, with roth, you y taxes now that youon't have to p income tax 30 40 yes om nowhen you retire. ther o more positive point about roth. youan withdraw the money you' invested, note your gains, justhe amount you contribu

so why don't we start with a roth ireaira. it may be the single greatest thing our government has done for low-income families since the end of the war on poverty, which at best ended in a draw. poverty possibly winning. i told you how about a regular ira lets you take preincome tax invested and then your gains year after year, decade after decade totally tax-free until you decide to withdraw that money when you retire. a roth ira works different. with the roth, you make contributions with after tax income. so in other words, unlike a regular ira, putting money into a roth won't decrease your tax bill. on the other hand, once your money is in a roth ira, you will as long as your cash remains in your account, you don't pay capital gains tax. you don't pay dividends tax. when you withdraw it which you can do without penalty at age 59 1/2, you don't pay any income tax on your withdrawal. this is fabulous. in other words, with a roth, you pay taxes now so that you don't have to pay income tax 30 or 40 years from now when you retir