Last issue we cracked open the 401(k) and found free money hanging around with a tax break. This time we're looking at its cousin, the account that skips the tax break now for a much bigger one later. Let's get into it.

👀 IN TODAY'S STASH

• Why you've had that Roth IRA tab open since spring and haven't clicked it once
• The math on $1,000 turning into $2,759 tax-free, plus a Social Security trick almost nobody uses
• Where to go window shopping for your first Roth IRA, no commitment required

🌳 THE SHADE

You've heard the term. You may have even had "Check into a Roth IRA" on your to-do list since your cousin brought it up at a barbecue, right after his third Molson Ice.

You said "yeah, I've been meaning to look into that," which is the universal signal for "I will not be looking into that." Well, grab some shade my man, cuz today we're looking into it.