This is the million dollar question. It’s the question that every financial pundit answers with complete certainty.
Merrill Lynch recently announced that they are increasing new client minimums to $250,000. But what if you don’t have $250,000 lying around?
You probably hear comments such as, “Social Security is going away,” or “you can’t count on social security.”
To set a baseline, the primary benefit of a ‘Roth’ account is the ability to contribute after tax money and not pay taxes when you withdraw.