Simply contributing the current annual maximum to your Roth IRA of $6,000 from age 22 to age 67 makes a world of difference for two reasons.
First, Roth funds are shielded from future taxes: money in a Roth has already been taxed and will never be taxed again.
Next, if you choose to invest in low-cost index funds in your Roth, the account won't require any ongoing maintenance and you won't need to spend any time picking and choosing investments.
Make the annual Roth contribution a habit as early on in the calendar year as possible and make sure it happens every year.
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