Applying Roth IRA for retirement plan is the best way to do by people, because this kind of retirement service is very helpful to people. There are lots of people that are helped very well by this kind of retirement services during their retirement day, so that they will not be living with the rest of their family during their retirement day, or even worse, working when they are supposed to enjoy their retirement day. The reason why roth ira is very recommended is because of its great advantage. Once people apply for Roth IRA, they will be given a chance to make a savings as much as they want into the IRA’s account, and they will be allowed to take the money any time they want without being afraid of getting taxed. However, Roth IRA also has disadvantages too. Referring to the income rule that is given to people who are willing to apply for this thing, it is clearly that somehow it will only be given to people with very good income, or in other words healthy. It is true though that somehow Roth IRA is not suitable for them who do not have good income every month. Therefore, this kind of retirement service is only for them who are wealthy, but not for poor people. So, for you who are interested to apply for this kind of retirement service, it is better if you make sure that you make a good income to pay all of your tax and savings in this retirement service.