Roth IRAs are powerful. But not perfect.

Yes, you get tax free growth and withdrawals.
No required minimum distributions at 72.
You can pull out your contributions any time.

But taxes are paid upfront.
You can only put in around 6,500 dollars a year.

And if you're married filing jointly and earn over 140,000 a year, you might not qualify.

So is a Roth IRA right for you?

It's perfect for beginners.
But one size does not fit all.

Know the rules. Use them to your advantage.