Not everyone can open a Roth. You'll never have to worry about calculating minimum distributions and paying taxes on them, the bane of people who own traditional IRAs. That's not the case with traditional IRAs, which can be a nightmare to inherit. You can take money out of your Roth without an early withdrawal penalty if you use it for a down payment on a first home. Pay off your credit cards.
Credit cards can be wonderful things.
You can treat yourself to a spa retreat or a gourmet dinner without worrying whether you have the cash to pay for it. The downside, of course, is that cards let many people live beyond their means. And because minimum payments are small, it's easy to lose track of how much that costs you. So, by all means, use credit cards, but pay the bill in full each month. You'll pay a much lower interest rate.