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What is a Roth IRA?
A Roth IRA is an individual retirement account in which a person can set aside after-tax income up to a specified amount each year. Earnings on the account are tax-free, and tax-free withdrawals may be made after age 59 1/2.

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Census Bureau 1996 paper pointing out the sharp decline in the percentage of income of the bottom 80% of American since the late 1960's, taking the whole thirty years as a block.
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