No matter what your retirement situation is, a Roth IRA can improve your portfolio. There are many factors that lend to the importance of a Roth that will effect you now and later. Look at a Roth IRA as a gift from Uncle Sam to you (possibly one of the only gifts). This government gift allows your retirement savings to accumulate absolutely TAX-FREE and is one of the most flexible accounts because you can add to it whenever you want.
Taxes, it’s something we dread paying and yet most people don’t take enough time to develop a great tax strategy. Of course, we all prepare our taxes, but how many of us actually have a proactive tax strategy!