1. Money

For the middle class, it can be hard to find financial breaks.  You make too much money to qualify for a lot of programs, but not enough to take advantage of major tax shelters and loopholes.  That is one of the reasons Congress established the Roth IRA.  Though it may sound blasé, a Roth IRA really is one of, if not the single, greatest tax shelter ever created for the average person.  If you set it up correctly, and follow the rules, you don't have to pay any taxes on your dividends, interest, rents, or capital gains.  You aren't just limited to stocks; you can buy bonds, real estate, and a host of other assets, as well.  Find out more about why the Roth IRA is so appealing ...

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