Gen Z Finance
Region: US
Saturday 03 January 2026 22:24:31 GMT
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Powerful224 :
If it wasn’t a good deal the Feds would not limit your contributions to $7000
2026-01-04 00:55:57
120
67 :
You can take out your contributions on a Roth IRA without any penalty at any time. Withdrawing earnings are what get penalized on if it’s before 59 1/2.
2026-01-04 00:13:11
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Jonah :
You can pull all the money you’ve put into a Roth with no penalty
2026-01-04 00:28:37
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The_JasonM 🍉 :
Yes. I’ll “buy real estate” with my 7k a year lol
2026-01-04 20:18:24
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Bdruff :
I was waiting to see if you were kidding. A Roth is powerful. Use a Roth if possible
2026-01-04 00:30:19
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upright001 :
making financial advice based on feels. love it
2026-01-04 12:36:56
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Michael Lasonczyk :
@Michael Lasonczyk: I don’t understand the point you’re trying to make. Don’t lock your money away for 40 years in a Roth IRA, but locking it away in a 401(k) is okay? $7K is not a lot of money to tip the scale investing for retirement, invest in real estate instead? What real estate are you investing in for $7K?
2026-01-04 13:10:47
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thedude938 :
You can’t see the forest for the trees. All those ways your dad gets income are highly taxed. 7k per year is more than most can invest anyway. Plus you can always withdraw your contributions…at anytime tax free.
2026-01-04 21:38:08
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sticks4444 :
Pensions don’t exist now
2026-01-04 00:16:26
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upstandingcitizen :
Why not do both
2026-02-16 17:56:53
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erndogg98 :
Roth limit is only $700 a month. What real estate can most ppl get with that? Most people can’t even max out their Roth IRA.
2026-01-04 07:08:05
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Eton :
his tuition cost him a snail shell and his first house was a handshake.
2026-01-05 18:28:01
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Matt Dolinsky :
401k and IRA’s can both have Roth or traditional contributions. They are effectively the same thing depending on whether your contributions are pre or post tax.
2026-01-05 00:17:25
1
justSeancy :
real estate is also much more work than just buying stocks in a roth ira
2026-02-22 21:27:02
0
LaL :
it grows tax free .
2026-02-21 02:34:33
0
lifeofhern :
ROTH IRA contributions are 100% liquid, even though it’s recommended not to touch it as you remove money from compounding. However if needed you can always withdraw your contributions.
2026-01-05 04:12:32
1
PATRICK WOLF :
You can withdraw your contributions with no penalty at any time
2026-01-17 17:09:52
1
Chad Moran :
Roth is not a vehicle. You can have a Roth 401k as well. IRA Is a vehicle. It depends on your tax situation which to choose. It’s not propaganda, please do research.
2026-01-04 00:44:36
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handmke :
Why not both?
2026-01-03 23:59:32
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June22nd1988 :
When your dad was 20, you could buy a condo in major city for like $75k, not quite so easy these days
2026-01-04 00:46:45
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DownTheHatch :
The govt caps the limit at a very small $7k a year. There’s a reason for that, bc there’s a huge tax advantage for us, not for the government
2026-01-05 16:36:55
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Nic Anderson :
You can remove your contributions from a Roth IRA penalty free at any time. It’s way more liquid than real estate.
2026-02-16 15:13:14
1
Clint :
Diversify!!
2026-01-04 22:04:54
0
broccoli_rock :
I used my $7k to buy NVDA is 2012. Now it’s worth $10m and it’s 100% tax free for me in my Roth..
2026-02-28 17:24:08
1
jkushne1 :
For any deployed military in a tax exclusion zone, it’s an exceptional idea.
2026-01-05 19:10:49
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