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EatATaco ,

Roth IRAs are designed specifically for people with less money. When you get to a certain income level, you can no longer take advantage of them (well, there are some tricks).

The general rule of thumb is that you;

  1. Build an emergency fund
  2. If available get your match for your 401k.
  3. Payoff high interest debt (like CCs)
  4. Max our your Roth IRA.
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