Since a Roth also provides tax-free withdrawals, the stock market's historical return is closer to 11 percent, and some people have more than 20 years to retirement, SunAmerica's figures are conservative. Which is why I was happy to help fund my wife's Roth IRA for the year. In time, the Roth IRA will turn into a veritable Gift of the Month Club that never stops giving. Saving Is Unfair. Your Budget Use this sheet to track your family's spending.
Saving Is Unfair.
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