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Subject:  newbie Date:  11/30/2004  5:46 PM
Author:  hep1974 Number:  43354 of 78166

hello fool community,

i just recently turned 30 and married for almost 6 months now. it's time to put some money away for retirement and save up for the future. i'm a total newbie when comes to this stuff so be patient. i'm just about to open a roth ira for my wife and i. i have several questions regarding retirement. i have read many of the articles on, but my questions are more specific.

1) whi