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A Roth account, such as a Roth IRA or Roth 401(k), is a retirement savings vehicle that allows for tax-free withdrawals in retirement. Contributions are made with after-tax dollars, meaning you don’t get a tax deduction upfront. However, qualified withdrawals, including both contributions and earnings, are entirely tax-free. To qualify, the account must be at least five years old, and the account holder must be 59½ or older, or meet specific conditions like disability. Roth accounts are ideal for individuals expecting higher tax rates in retirement, offeri
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