now the fourth type of account that will earn you money is an IRA so an IRA stands for an individual retirement account that lets you invest in retirement with special tax advantages so again you have traditional IRAs and you also have Roth IRAs and I love Roth IRAs because Roth IRAs grow taxfree because you put money into the Roth IRA after you've paid taxes what is invested within the Roth IRA usually are probably great mutual funds but this is a great place to put your money when you're looking into retirement