In 1970, we were paying about $118 a year, per person, in out-of-pocket health care costs.  Today, that number is more than $4500 a year!  What does that tell us about our likely health care expenses in retirement ? 

We’re all looking for ways to improve our tax situation and one of the most popular tools for that is the Roth IRA.  Unfortunately, income limits mean that not everyone is eligible to contribute to a Roth.  Steve explains why some should consider whats called a "backdoor roth."  

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