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@scottyboyyy You still have to invest it in something. Usually a few diversified funds across the total stock market, international market, and some bonds. Whatever growth you experience in the roth is not taxed, and when you take it out for retirement income, you are not taxed on it.

@scottyboyyy A lot to work with here: Debit card - takes money directly from your bank account - pretty much same as cash. Upside you can't go into debt, downside you lack a lot of protections against fraud. Credit card - allows you to purchase things on the understanding that the bill...