ROTH accounts seem like they really don't pay back much (I think I am drawn to higher risk and higher yield investments). Can someone please convince me that it is worth putting the money into an account like this.Perhaps you're not aware of what a ROTH account is? It is just a stock account that doesn't ever tax you. Nothing more, nothing less (well, except for the contribution limitations, and the limitations on when you can take the money out).I'd suggest reading a few articles on ROTH accounts (very easily found through Google), and it should help you understand more. If you can put money in now, then that is a good idea. It doesn't matter that you might not be able to some year. Some money is better than none.I think I figured I could have around $400K when I retire. That is not going to do anything 30 years from now!30 years from now it will still be a decent piece of change, even after inflation.. and since it's tax free, it's even better. And I certainly hope that it will not be your only investment plan. It is a side product that is not taxed, and is therefore efficient. Once you take advantage of it, move onto other investments.
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