Getting ready to retire is exciting, but where will you spend your retirement years? Here's the top ten places for relaxing in the United States.

A Roth IRA offers tax-free growth, making it a very attractive vehicle for young investors to take advantage of decades of compounding. If a child has earned income (reported on a tax return) from a summer job or other work, a full or partial Roth contribution may be an option. Earned income does not include interest or dividends.