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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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