Can someone please convince me that it is worth putting the money into an account like this.
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Nope, not even going to try!

If you got questions about how they work, I would be happy to answer those. We can discuss strategies about tax efficient portfolio allocation using one. If you want to know about being young and buying real estate thinking it can do nothing but go up--- but after ten years the property is 3% more than paid for - Been There. (but you got that covered) During that time stocks appreciated 288% and inflation ~40%.

Is a Roth right for every one - NO.

How would I know if it is right enough for You to convince you - You won't even know - today or tomorrow. Not until it would be time to use it. Then, if you did need it and it wasn't there -

then what?????

DrTarr