Everything You’ve Ever Wanted to Know About Roth IRAs (Before It’s Too Late)

Описание: AJ Ayers breaks down how Roth IRAs actually work, who they’re for, and why timing matters more than most people realize. Part 1 of a Roth IRA series.

Most people know Roth IRAs are “good.”
Far fewer understand why — or how easy it is to misuse them once your income rises.

In this episode of Money Changes Everything, AJ Ayers breaks down everything you’ve ever wanted to know about Roth IRAs, starting with the fundamentals that actually matter: how they work, who can use them, and why timing is the real advantage.

This video is a practical framework for understanding one of the few financial tools in the U.S. system that truly works if you use it correctly.

You’ll learn:
• Why tax-free growth is so powerful — and why the IRS restricts it
• Who is eligible to contribute to a Roth IRA (and who isn’t)
• What happens when your income crosses the limit
• How to think about Roth vs. pre-tax accounts at different stages of your career
• Why Roth IRAs may be most valuable early in life — including for kids and young earners
• The costly mistake people make when they contribute while over the income limit

Chapters
00:00 Why Getting Started Early Matters
00:16 Roth IRAs: The Basics
01:13 Contribution Rules & Income Limits
02:28 The Backdoor Roth Explained
03:21 Roth vs. Pre-Tax: How to Think About It
04:37 What to Do If You Contributed by Mistake
05:28 Why Roth IRAs Are So Powerful for Kids
06:39 The Compounding Math That Changes Everything
07:09 Final Takeaway


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