A Roth IRA is an individual retirement account that allows you to save money for retirement on a tax-free basis. 

Contributions to a Roth IRA are made with after-tax dollars, but the money grows tax-free and withdrawals in retirement are also tax-free. This means you can potentially avoid paying taxes on your retirement savings, which can result in significant tax savings. 

Additionally, Roth IRAs generally have fewer restrictions and more flexibility than traditional IRAs, making them an attractive option for retirement planning.

When considering a Roth for your retirement planning, some key questions to ask yourself are:

1. How much can I contribute to a Roth IRA each year?

2. What are the income limits for contributing to a Roth IRA?

3. Are there any tax benefits to a Roth IRA?

4. How can I access my Roth IRA funds without penalty?

5. What are the different types of investments available in a Roth IRA?

6. Are there any other costs associated with a Roth IRA?

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