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Roth IRA uses after-tax contributions; qualified withdrawals (age 59½+, account 5+ years) are completely tax-free. 2024 limit: $7,000 ($8,000 if 50+). Income limits: full contribution up to $146,000 MAGI (single) / $230,000 (married). Backdoor Roth is available above income limits via traditional IRA conversion. No RMDs during owner's lifetime—excellent for estate planning.
Ignores taxes, catch-up, vesting, fees, and IRS limits. Match = employer pays match % of your deferral on salary up to cap % (e.g. 50% on first 6%).
Annual contributions: you $9,500 + employer $2,850 ($12,350 total / yr)