Money Girl's Quick And Dirty Tips For A Richer Life

1045. Are you taking full advantage of tax-free retirement growth? While both workplace Roth plans and Roth IRAs offer tax-free growth, they come with vastly different eligibility limits, withdrawal rules, and investment options. Laura breaks down the key Roth differences so you can decide which option is right for you. Key Takeaways:You can contribute up to $24,500 to $32,750 in a workplace Roth for 2026—over triple the $7,500 to $8,600 limit for a Roth IRA, depending on your age.Roth contributions make sense if you believe your income or tax rate will be higher in the future when you can take tax-free withdrawals. High earners who exceed the 2026 Roth IRA MAGI limits can not make full contributions to a Roth IRA. You can withdraw 100% of your original Roth IRA contributions anytime, tax- and penalty-free, but that’s not possible with a workplace Roth. A Roth IRA offers better investment choices and early liquidity compared to a workplace Roth. Workers over 50 and earning over $150,0