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# Why a Roth IRA Is Great for Young Adults

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<!-- video src="https://cdn.jwplayer.com/manifests/gujVhptn.m3u8" -->
## Video: Why a Roth IRA Is Great for Young Adults

[Watch (HLS stream): Why a Roth IRA Is Great for Young Adults](https://cdn.jwplayer.com/manifests/gujVhptn.m3u8) (1:10)

![Why a Roth IRA Is Great for Young Adults](https://cdn.jwplayer.com/v2/media/gujVhptn/poster.jpg?width=720)

_Published 2016-03-21. Stefanie O'Connell explains the difference between a Roth IRA and a 401(k) and which one is best for you._


---

Jul 27, 2023 7:40 PM UTC

---

## More From This Series

[All Videos](https://time.com/video/)

[TIME100 Talks with Lena Waithe and Ryan O'Connell](/video/Jxut7O8W/)

### TIME100 Talks with Lena Waithe and Ryan O'Connell

[How to Become a 401\(k\) Millionaire](/video/JvJFnK83/)

### How to Become a 401(k) Millionaire

[Origins: Eli Roth](/video/8C24wyoY/)

### Origins: Eli Roth

---


## Transcript

People in their 20s probably aren't really thinking about retirement, especially if they're broke and they're worrying about other money issues. Yeah, they're worrying about how they're gonna pay their rent, exactly. So what are some strategies you can use especially as a freelancer to just Start that retirement bus. Well you have to be your own HR department. You have to be your own employer sponsored retirement plan. And that means really delving into the financial literature, and getting educated, and really challenging yourself to go out and read. Investment for dummies or whatever it is. And so, that's what I did and I opened up a Roth IRA which is a tax advantage retirement account that I can use as a freelancer but also anybody can use even after you've made your employer for a 1K contribution, you can set aside, Additional retirement savings in your Roth IRA or a regular IRA, traditional IRA.

And the benefit of a Roth is that you've already paid the taxes up front, so when you take the money out- Right, so the growth, all that money that It gets to grow over time and compound over time. When you take it out at 59 and a half or later, you don't have to pay taxes on it. What a huge advantage. Right. That's great. Yeah, yeah. [ MUSIC ]

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