One of the most important financial responsibilities that everyperson has is to properly prepare for retirement. To help peopleplan for retirement, there are various financial products thatprovide various incentives for saving. One popular retirementproduct is a Roth IRA. While a Roth IRA is similar to otherretirement investing products, there are various characteristics orRoth IRAs that separate them from traditional IRAs and otherretirement accounts.The main characteristic that separates a Roth IRA from otherretirement accounts is that the contributions are not tax deferred.While this means that a person will have to make contributions withafter tax dollars, this is not necessarily a disadvantage. If aninvestor is young, or expects to be in a higher tax bracket uponretirement, the invest