A major retirement survey reveals widespread Roth IRA regret among seniors. The data demonstrates significant financial implications of delayed Roth contributions.

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Roth IRA contributions can be withdrawn anytime without taxes or penalties. Converted Roth IRA funds are tax- and penalty-free after five years from Jan. 1 of the year of the conversion.

A new 2025 rule change aims to remedy that by adding a new, higher catch-up contribution to 401 (k)s and other workplace retirement accounts for those aged 60 to 63. This catch-up limit is $11,250 in ...

Using retirement funds to buy a house will likely lead to penalties and a larger tax bill. It can also reduce your account's future earning potential.