Between all the different retirement accounts and investment options, saving for your golden years can seem daunting. Sometimes even finding the cash to set aside can feel like an insurmountable hurdle.
Enter the Roth IRA. It’s the retirement account that allows your contributions to grow tax-free, and gives you complete control over your money in retirement—including never having to pay taxes on it again and withdrawing the cash on your own terms. At the very least (and I do mean very least), aim to contribute the maximum each year ($5,000 in 2012).