A Roth IRA (Individual Retirement Arrangement) is a special type of retirement plan under US law that is generally not taxed, provided certain conditions are met. The tax law of the United States allows a tax reduction on a limited amount of saving for retirement. The Roth IRA's principal difference from most other tax advantaged retirement plans is that, rather than granting a tax break for money placed into the plan, the tax break is granted on the money withdrawn from the plan during retirement.

A Roth IRA can be an individual retirement account containing investments in securities, usually common stocks and bonds, often through mutual funds (although other investments, including derivatives, notes, certificates of deposit, and real estate are possible). A Roth IRA can also be an individual retirement annuity, which is an annuity contract or an endowment contract purchased from a life insurance company. As with all IRAs, the Internal Revenue Service mandates specific eligibility and filing status requirements. A Roth IRA's main advantages are its tax structure and the additional flexibility that this tax structure provides. Also, there are fewer restrictions on the investments that can be made in the plan than many other tax advantaged plans, and this adds somewhat to the popularity, though the investment options available depends on the trustee (or the place where the plan is established).

Roth may refer to:

IRA most commonly refers to:

Ira or IRA may also refer to:

Ramit Singh Sethi is a personal finance guru and entrepreneur. Sethi is the author of the 2009 personal finance book I Will Teach You To Be Rich, a New York Times Bestseller, and the co-founder of PBWorks, a commercial wiki website.

Sethi attended Bella Vista High School in Fair Oaks, CA. In 2002, he conducted in-depth tutorial on social influence and persuasion at Oxford University, and in 2004 he graduated from Stanford University in Science, Technology, Society with a minor in Psychology.His graduating class includes a number of other entrepreneurs, including Chris Cox, Clara Shih of Hearsay_Social, Claire Diaz Ortiz and Jared Cohen.

Sethi was featured in U.S. News & World Report,The Wall Street Journal and has also been invited to speak at Stanford, MIT, San Francisco Bay Area high schools, and various other corporations.

Susan Lynn "Suze" Orman (born June 5, 1951) is an American financial advisor, author, motivational speaker, and television host.

Orman was born in Chicago and received her B.A. in social work. She worked as a waitress in Berkeley, California before becoming a financial advisor for Merrill Lynch. In 1983 she became the vice-president of investments at Prudential Bache Securities and in 1987 founded the Suze Orman Financial Group.

Her program The Suze Orman Show has aired for eleven years and is one of the highest rated shows on CNBC. She has written nine consecutive New York Times Best Sellers and has written, co-produced and hosted seven PBS specials based on her books. Her PBS shows are the most successful fundraisers for PBS and have won two Emmy awards. She has also won the most Gracie Awards of any individual. In 2008 and 2009, Orman was named to the Times Magazine list of 100 most influential people, the 2010 Forbes Magazine 100 most powerful women in the world, and 18th on the Forbes list of The Most Influential Women In Media.^{[citation needed]}