Retirement accounts, like life insurance, come in all shapes and sizes. Individual retirement plans covered on the 65 are the traditional IRA (Individual Retirement Account), and the Roth (newer, with additional tax benefits).
The traditional IRA is an individual retirement account (no, husbands and wives cannot open a joint IRA – doesn’t exist, though if one spouse is not working they can contribute to the other spouse’s IRA). Anyone with earned income can open an IRA and contribute 100% of ...
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