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I firmly believe most GenXer’s should make the Roth IRA the cornerstone of their future retirement plans.

In my opinion, over the next 10-15 years the Roth IRA and Roth 401(k) will quickly become the backbone for retirement planning in this country.

For Americans under the age of 45 you should put the wheels in motion to incorporate the Roth IRA into your plans ASAP; and for those over the age of 45, I strongly recommend taking a close look at how adding (or converting to) a Roth IRA may add a whole new dimension to your future plans.

(I’ll probably spend the next few days writing about the Roth IRA. While writing this piece, I experienced a surge of new ideas that inspired me to scribble down an abundance of Roth related post ideas that, undoubtedly, will beef up that section of my tag cloud. Happiness is…)

Continue Reading “8 things you need to know about a Roth IRA for 2008″