Why Is A Roth IRA Tax Free? 
That is a great question ! Roth IRA 's are excellent retirement savings vehicles . I think they should be a part of every retirement plan . When you make contributions to a plan , you make them either before income tax is assessed , or after the tax has been taken . Before tax , like your employer plan , means that the withdrawals are treated as income , and they are taxed then . After tax contributions , like your Roth , means that you have already paid your taxes , so the withdrawals are tax free . I hope that helps , thank you for asking ! 