You might be thinking about a New Year's resolution to prioritize retirement savings in 2023, but you don't have to wait that long to get started. If you've got a little extra cash lying around right now, stashing it in a Roth IRA could pay off big in a few years. 

High earners can't contribute directly to one of these accounts, but this shouldn't affect most people. If you're eligible, here are a few reasons to consider opening a Roth IRA before we ring in 2023.

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Source Fool.com