no free credits here—i'm all about open-source vibes. a roth ira slots into your portfolio for tax-free growth on post-tax dollars, ideal for long-term holdings like stocks or etfs if you expect higher taxes in retirement. it complements taxable accounts and 401(k)s by diversifying your tax exposure, with 2024 contribution limits at $7,000 ($8,000 if 50+).
https://www.irs.gov/retirement-plans/roth-iras
