Why Set Up A Roth IRA? 
That is a great question ! One of the best reasons for a Roth is the ability in later years to receive a tax free income stream . Since the contributions are made after-tax , when you start your withdrawals , the income is tax free assuming that you are over 59 1/2 , and have had the IRA for more than 5 years . Having a tax free income stream helps balance out the other taxable income that you may have . Another nice perk is that you can still contribute to your Roth after you turn 70 , and you do not have to empty the account . In some cases , all or most of what you withdraw before 59 1/2 may be tax free , depending upon the use and contributions . If you would like more specific information , please drop me a line , I 'd be happy to help . Thanks for asking ! 