Benefit's of Roth IRAs.

The Roth IRA is an amazingly versatile product. Its primary purpose is to provide a tax-advantaged way to save. But unlike other retirement-savings accounts, Roths let you use the money for a variety of purposes without triggering crippling taxes or early-withdrawal penalties. A Roth won't reduce next year's tax bill, but the payoff comes later as earnings withdrawals are eventually tax-and penalty-free. (Kiplingers)