25 Smart Retirement Moves You Can Make in 2018 and Beyond

Consider opening and/or funding a Roth IRA

With a Roth IRA, a $5,500 contribution has no effect on your taxes in the contribution year. But follow the Roth IRA rules, and you’ll be able to withdraw all your contributions and earnings tax-free! If your Roth IRA swells to $100,000 over time, that can all be tax-free income in retirement.