Anyone who's just starting to get their finances in order faces a lot of competing priorities. They're told they need to pay down debt or build an emergency fund, all while saving for retirement too. But when your budget is already stretched, finding money to put into all of those buckets can seem impossible.

Luckily, there's one clever way you can make some of your money pull double duty -- helping you save for retirement and build an emergency fund at the same time. The key is using a Roth IRA.

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Source Fool.com