The idea
Imagine a special box where your investments grow and the government never taxes the growth — that's a Roth IRA, and it's totally real and legal. You put in money you've already paid tax on, it grows for decades, and you take it out tax-free when you're older. The earlier you start, the more powerful the tax-free magic. 🪄
Words to know
- Roth IRA
- A retirement account where your money grows and comes out completely tax-free.
- Earned income
- Money from a job; you need some to put money into a Roth IRA.
- Contribution limit
- The most you're allowed to add to the account each year.
- Custodial Roth IRA
- A Roth IRA a parent opens for a kid who has a job.
- 401(k)
- A retirement account through a job; you get a tax break now but pay tax later.
- Brokerage account
- A regular investing account where gains can be taxed when you sell.
- Tax-free
- No taxes owed — what makes the Roth IRA so powerful.
Try it — no account needed
Match each account type to its KEY benefit.
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In the full lesson
- 1Match the pairs
Vine has 107 lessons like this one, each written three ways so a 7-year-old and a 17-year-old both get a version that fits.
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