Roth IRA for Beginners 2026 | Complete Step-by-Step Guide @GrahamStephan

Roth IRA for Beginners 2026 | Complete Step-by-Step Guide In this video, I explain how Roth IRAs work and show you exactly how to open one and make your first investment in 2026. Whether you're a complete beginner or already have a 401(k), you'll learn the step-by-step process to start building tax-free retirement wealth. ⏱️ Timestamps: 0:00 - Introduction: Why Roth IRAs Are Powerful 0:45 - What You'll Learn in This Video 1:15 - What Is a Roth IRA? (vs Traditional IRA) 3:00 - 2026 Income Limits: Who Can Contribute? 4:30 - How to Open a Roth IRA (Step-by-Step) 7:00 - Your First Investment: Two Best Options 9:00 - Common Mistakes to Avoid 9:45 - Summary and Next Steps 📊 Best Brokerages for Roth IRAs (2026): • Fidelity: https://www.fidelity.com • Vanguard: https://investor.vanguard.com • Charles Schwab: https://www.schwab.com (These are NOT affiliate links - no commission earned) 🎯 Related Videos: • Roth IRA vs Traditional IRA: Which Should You Choose? [Coming this week] • How to Invest Your First $1,000 [Coming soon] 📈 2026 Roth IRA Contribution Limits: • Under 50: $7,000 • Age 50+: $8,000 • Income limits: $146K (single), $230K (married) 💬 What's Your Biggest Question About Roth IRAs? Drop a comment below and I'll answer every one! Whether you're wondering about backdoor Roth IRAs, withdrawal rules, or investment options, I'm here to help. Understanding Roth IRAs is crucial for anyone planning for retirement in 2026. Unlike traditional IRAs, Roth IRA contributions are made with after-tax dollars, but your investments grow completely tax-free. This retirement account is especially powerful for young investors who have decades for their money to compound. In this complete guide, I break down the Roth IRA contribution limits, income limits, and withdrawal rules so you can decide if this investment vehicle is right for you. Whether you're comparing Roth IRA vs traditional IRA or wondering how to open your first account, this step-by-step tutorial covers everything you need to know about tax-free retirement investing. #RothIRA #RetirementPlanning #InvestingForBeginners #PersonalFinance #TaxFreeRetirement --- ⚠️ DISCLAIMER: This video is for educational and informational purposes only. It should not be considered financial, investment, or tax advice. Please consult with a qualified professional before making any financial decisions. I am not a licensed financial advisor. roth ira for beginners roth ira explained how to open roth ira roth ira 2026 roth ira vs traditional ira retirement investing for beginners roth ira contribution limits roth ira rules 2026 tax free retirement investing for beginners how to invest in roth ira roth ira income limits personal finance retirement planning financial independence roth ira withdrawal rules best roth ira fidelity roth ira vanguard roth ira retirement accounts explained