Send us Fan Mail Brian Akers and Paul Franco discuss the importance of Roth IRAs for retirement planning. They highlight three core principles: eligibility, timing, and qualified withdrawals. Eligibility requires earned income, and contributions are capped at $7,500 annually for those under 50 and $8,600 for those over 50. Timing is crucial, as contributions should be made when tax rates are low. Qualified withdrawals are tax-free if made after age 59.5 and after a five-year holding period. T...