Everyone wants to know the number.
For 2025, it is 7,000. Eight if you are over 50.
And yet, knowing the number means nothing if you never use it.
Because the Roth IRA is not about this year.
It is about what happens when forty years of compounding collide with zero tax on the back end.
Five hundred a month feels small.
But over decades, it becomes the dividing line between working into your seventies or retiring free.
Index funds. ETFs. Stocks you believe will survive the next forty years.
The limit is not your problem.
The problem is whether you start.
Because missed years never come back.
