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When you are thinking about your retirement savings, you might have wondered how you could pass your money on to second- and even third-generation beneficiaries. A stretch IRA might be the solution you need.
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A Roth IRA is a type of personal retirement account that is very much like a traditional IRA (Individual Retirement Account) but with some key differences. Most significantly, unlike a traditional IRA, contributions made to a Roth IRA are not tax-deductible. That means that you cannot take an IRA deduction on your Roth IRA to minimize your taxable income.
When you finally go through with looking for and purchasing your first place you will have to go through a number of processes you have never dealt with before. First, you are going to have to find someone who will finance your loan, and once this is done you will then need to find the house you want to buy and make sure that it is structurally sound and reasonably priced.