When To Do A Roth IRA? 
A Roth IRA can be started at almost any age . My nephew is in his mid-20s and he has a Roth IRA . The point of this type of planning is to save money now . Retirement will come soon enough . A Roth IRA will provide you with a tax free stream of income . Even the gain earned by the Roth comes to you at retirement free of income tax . 