The Roth IRA Explained Like You're 12

An aunt explains the Roth IRA to her 12-year-old nephew with a magic money tree. Tax-free growth, the 2026 limits, the rules, and the one big mistake that turns a Roth into $0 of growth. CHAPTERS 0:00 Intro 0:44 Career Day 1:44 The Magic Tree 2:44 A Pot, Not a Plant 3:52 Two Kinds of Trees 4:49 How Much Can I Plant? 5:52 You Need a Paycheck 6:57 The Teenage Superpower 7:53 Too Rich for Roth? 8:53 The Emergency Exit 9:53 The Million-Dollar Math 10:55 The Cost of Waiting 12:04 Three Big Mistakes 13:08 Pop Quiz 13:54 Plant Your Tree Numbers are illustrations based on 2026 US rules and typical rates (IRS limits, Federal Reserve, Bankrate, Experian, NAR, Vanguard research). Investment growth assumes about 8% a year, which is not guaranteed. Rules change, so check current figures before acting. This is education, not financial, tax or investment advice. Characters are fictional. #personalfinance #money #investing