When someone asks me when they should start saving for retirement, my usual answer is: "Right now. It's never too early or late to start."

People with a 401(k) plan through their job are fortunate enough to passively save and invest for retirement. For those without access to a 401(k) -- or simply looking for an alternative retirement account -- look no further than a Roth IRA.

Though less popular than a 401(k), a Roth IRA can be just as powerful of a resource when used the right way.

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Source Fool.com