I do believe everybody should have a Roth IRA; however, I would like to point one thing that nobody hasn’t mentioned yet. a Roth IRA is a retirement account not a savings account; you’d be able to pull out the contributions you put in at any time, but you would not be able to contribute them after and you’re not allowed to touch any of your games, retirement age of 59 1/2. You use post tax dollars for this account and your gains are 100% tax free as long as you wait till that retirement age.