How Does A Stay At Home Mom Save For Retirement? 
A stay at home mom can have an IRA or a Roth IRA . The payments to an IRA are deductible from current income tax ; those for the Roth IRA are not . The benefits from the IRA at retirement are taxed as ordinary income while those from the Roth IRA are not taxed at all . There is n't any current taxation for money held in either plan during accumulation . 