Then people could use their own money to make ends meet, cover expenses after unemployment runs out or transfer funds from losing mutual funds to pay down high interest credit cards and 2nd mortgages.

They always talk about our money… we’ll it’s mine and I need it NOW!!!

Yes, I know this would be like a run on the bank, but they don’t deserve to be trusted with our savings any more !!!!!!!!!!!!!!!!

I don’t think we’ll be able to put the maximum yearly contribution in them or anything like that, but I’m really leaning towards opening Roth IRAs for my husband and I at our local credit union. Is there anything you wish you had considered before opening a retirement account? Would you go with Roth or Traditional?

It’s tax time, and we’re trudging through the filing process. Knowing what year Roth IRAs were introduced would be very helpful. Thank you!

Roth ira, roth ira rules,what is roth,retirement plan roth ira 2010,roth ira qualification,what does a roth ira do,ira for minors,simple roth ira calculator