Last time, we uncovered how debt can quietly ruin even the best retirement plan—draining income and raising stress in the years you’re supposed to enjoy the most. But today’s topic is different. This one’s a weapon you can actually use: the Roth account.

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Roth IRAs have no RMDs, no taxes on qualified withdrawals, and offer tax-free inheritance—making them one of the most flexible and tax-efficient retirement tools available.