This year I started a Roth IRA thinking the contribution would be tax deductable. Now that tax season is here, I've read that it isn't. So, now I'm trying to figure out what the point of having a Roth IRA is. The only difference I see between a Roth IRA and say...a regular mutual fund, are just more restrictions on the IRA. I know I must be missing something somewhere. I've read several articles throughout your site, and your message board.....I just don't see an advantage. I would greatly appreciate any clarifcation that you can give me. Thanks!
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