Roth-Ira’s are the bread and butter of any wise investment plan. Individual stocks picking, which I also call gambling haha. They have the lowest management fees 401k rate of return out of anyone I know. -RI contributions are post-tax dollars, so you never pay tax on your investments ever again! An Ira by itself is not an investment. If you’re married, your household’s income cap is $179,000. This is an added benefit for older investors. Many brokers and banks have a minimal annual fee on an account but many waive this. Although I have an official emergency fund, it’s nice knowing that I can take out money from my Roth-Ira tax-free unlike 401k plans which you can never touch. This is the easiest way to make your first million and take a giant leap toward securing your financial future. -Catch up contributions available. Now, to make this clear, let me back up.