Hey everyone and thanks for joining me this week. My name is Laura Adams. I'm a personal

finance and small business expert, author and educator who's been writing and hosting

MoneyGirl since 2008. My mission is simple. It's to help you get the knowledge and motivation

to prioritize your finances, build wealth and have more security and less stress. If you're

a new listener, I'm so glad that you found the show and hope you'll stick around by subscribing.

And I also want to mention that we always publish the show notes in the MoneyGirl section

at quickandertitytips.com. This is episode number 682 called Five Key Roth Retirement

Account Rules You Should Know. If you have ever had a question about opening up or using

a Roth account on your own or at work, you do not want to miss this episode. I'm going

to give you a lot of great information. I have used a Roth in previous years. My income

is too high now to use a Roth IRA going forward, but I've used a Roth when I've had a workplace

retirement account in the past. And so they're very, very useful accounts to have. So it really

will pay off if you understand how to use them wisely. And I get a lot of questions about

using Roth accounts because they can be a little confusing. There's no doubt that retirement

account rules can be a little cumbersome at first. Having said that, it's going to be

worth your time to get to know them and to really invest the time in understanding them

because it will pay off for you, I promise. So today, I'm going to answer four questions

that I've received about Roths. And I'm going to review five critical rules for using a

Roth account. First, I just want to answer a voicemail that I received from Chris who did

not want to be on the air. She says, I just recently started listening to your podcast

and I really enjoy it. What are the benefits of an IRA versus saving your money in a savings

account or CD? Thank you, Chris. I appreciate you sending in your voicemail. That's a terrific

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