{"id":49546,"date":"2021-09-18T13:52:00","date_gmt":"2021-09-18T17:52:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=49546"},"modified":"2021-09-23T12:17:14","modified_gmt":"2021-09-23T16:17:14","slug":"start-roth-ira","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/start-roth-ira\/","title":{"rendered":"How to Start a Roth IRA &#038; Begin Saving for Retirement"},"content":{"rendered":"\n<p>What kind of account is a Roth IRA? What is the difference between a Roth IRA and a 401(k) retirement accounts?<\/p>\n\n\n\n<p>A Roth IRA is an individual retirement account that allows you to deposit and grow your after-tax earnings tax-free. Unlike a 401(k), you don&#8217;t need an employer to sponsor it (and there\u2019s no employer match option). Roth IRAs also allow you to invest however you want rather than making you choose between a few pre-selected funds like a 401(k).\u00a0<\/p>\n\n\n\n<p>In this article, we&#8217;ll explain how to start a Roth IRA so you can begin <a href=\"https:\/\/www.shortform.com\/blog\/how-to-save-for-retirement\/\">saving for retirement<\/a>.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Roth IRAs<\/strong> vs. 401(k)<\/h2>\n\n\n\n<p>The major difference between a Roth IRA and a 401(k) is that <strong>the money you invest in your Roth IRA has already been taxed<\/strong>\u2014which means that you\u2019ll pay taxes on the money you put in, but you\u2019ll pay <em>no <\/em>taxes on the money you earn on top of that. That gives you a huge benefit over a regular, taxable investment account, in which you pay taxes on both your contributions <em>and<\/em> your returns.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The more you contribute to your Roth IRA, the more you capitalize on that tax benefit. For example, if you contribute $5,000 per year for 30 years (assuming an 8% annual return and 25% tax rate), you\u2019ll earn <em>almost $200,000 more<\/em> in a Roth IRA than in a taxable investment account.&nbsp;<\/li><\/ul>\n\n\n\n<p>Another benefit to Roth IRAs is that it\u2019s easier to access your money than with a 401(k): You can withdraw the money you\u2019ve personally contributed to your Roth IRA account at any time, penalty-free. However, you\u2019ll face penalties if you withdraw the money you\u2019ve earned <em>on top <\/em>of that principal before the age of 59.5. There are exceptions to this rule\u2014you won\u2019t face penalties if you withdraw your earnings to pay for education, emergencies, buying a home, or other similar expenses. However, these exceptions are only available if your account has been open for at least five years, which is one reason why it\u2019s so important to open your account sooner rather than later!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Contribution and Income Restrictions<\/strong><\/h3>\n\n\n\n<p>There are two major restrictions on Roth IRA accounts. The first is a maximum yearly contribution, or how much you can add to the account out of your own pocket every year. The exact amount changes each year, so search \u201cRoth IRA contribution limits\u201d to find the current maximum.&nbsp;<\/p>\n\n\n\n<p>The second restriction is a maximum income limit.<strong> To open a Roth IRA, your income can\u2019t exceed a certain maximum limit <\/strong>(this number also changes every year, so search \u201cRoth IRA income limits\u201d to find the current numbers). If your income is below the maximum but still higher than average, you can open a Roth IRA, but the maximum yearly contribution you\u2019re allowed to make decreases.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>If your income is too high for a Roth IRA, you can still get after-tax benefits by opening a Roth 401(k), if your employer offers one. These accounts offer the best of both worlds: the after-tax benefits of a Roth IRA (without the income restrictions), and the employer-match benefits of a traditional 401(k). Roth 401(k) accounts are a good option if you expect to be in a higher tax bracket when you retire than you are now, because the money won\u2019t be taxed when you withdraw it like it would be with a traditional 401(k).&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Choosing a Brokerage Firm<\/strong><\/h3>\n\n\n\n<p>To start a Roth IRA, you\u2019ll need an account with an investment brokerage. For now, you want to focus on discount brokerages, which offer nearly all the same features as \u201cfull service\u201d companies (like Morgan Stanley) but with much smaller minimum investing fees, usually between $0 and $3,000. (Remember, that\u2019s how much money you\u2019ll need before you can actually <em>invest <\/em>the money in your account. Opening the account itself is always free.) Most brokerages will even waive those minimums if you set up automatic monthly transfers. Here are the top three discount brokerages Sethi recommends.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Vanguard. <\/strong>This is the company Sethi personally uses for his investments because they offer low-cost funds to invest in. Vanguard charges a $1,000 minimum to start investing with their Roth IRAs. You won\u2019t be able to get this one waived (even with automatic monthly contributions), so if you don\u2019t have $1,000 to invest yet, set it as a savings goal.&nbsp;<\/li><li><strong>Schwab. <\/strong>If you opted to open a Schwab Investor Checking account back in Chapter 2, you already have a Schwab brokerage account linked to your checking account automatically. The minimum to invest in your Roth IRA through this account is $1,000, but Schwab will waive that minimum if you set up a $100 automatic monthly contribution.&nbsp;<\/li><li><strong>Fidelity. <\/strong>Fidelity is unique because they have zero minimums, so you can invest however much you like, but the fund options they offer to invest in typically have higher fees than Vanguard\u2019s.&nbsp;<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What kind of account is a Roth IRA? What is the difference between a Roth IRA and a 401(k) retirement accounts? A Roth IRA is an individual retirement account that allows you to deposit and grow your after-tax earnings tax-free. Unlike a 401(k), you don&#8217;t need an employer to sponsor it (and there\u2019s no employer match option). Roth IRAs also allow you to invest however you want rather than making you choose between a few pre-selected funds like a 401(k).\u00a0 In this article, we&#8217;ll explain how to start a Roth IRA so you can begin saving for retirement.<\/p>\n","protected":false},"author":7,"featured_media":8658,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,31],"tags":[496],"class_list":["post-49546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-money","tag-i-will-teach-you-to-be-rich","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Start a Roth IRA &amp; Begin Saving for Retirement - Shortform Books<\/title>\n<meta name=\"description\" content=\"Are you considering opening a Roth IRA? In this article, we&#039;ll explain how to start a Roth IRA so you can begin saving for retirement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Start a Roth IRA &amp; Begin Saving for Retirement\" \/>\n<meta property=\"og:description\" content=\"Are you considering opening a Roth IRA? In this article, we&#039;ll explain how to start a Roth IRA so you can begin saving for retirement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/\" \/>\n<meta property=\"og:site_name\" content=\"Shortform Books\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-18T17:52:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-09-23T16:17:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3.amazonaws.com\/wordpress.shortform.com\/blog\/wp-content\/uploads\/2020\/05\/money-growing-outsiders.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1297\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Darya Sinusoid\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Darya Sinusoid\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/\"},\"author\":{\"name\":\"Darya Sinusoid\",\"@id\":\"https:\/\/www.shortform.com\/blog\/#\/schema\/person\/0421cce75bc249b11e2517b3a91f9c46\"},\"headline\":\"How to Start a Roth IRA &#038; Begin Saving for Retirement\",\"datePublished\":\"2021-09-18T17:52:00+00:00\",\"dateModified\":\"2021-09-23T16:17:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/\"},\"wordCount\":829,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2020\/05\/money-growing-outsiders.jpg\",\"keywords\":[\"I Will Teach You to Be Rich\"],\"articleSection\":[\"Lifestyle\",\"Money\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/\",\"url\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/\",\"name\":\"How to Start a Roth IRA & Begin Saving for Retirement - Shortform Books\",\"isPartOf\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.shortform.com\/blog\/start-roth-ira\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.shortform.com\/blog\/wp-content\/uploads\/2020\/05\/money-growing-outsiders.jpg\",\"datePublished\":\"2021-09-18T17:52:00+00:00\",\"dateModified\":\"2021-09-23T16:17:14+00:00\",\"description\":\"Are you considering opening a Roth IRA? 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