Any time you're saving and investing for retirement, it's a good thing. You never hear anybody complaining about being financially overprepared, but you definitely hear the opposite. There are dozens of ways to financially prepare for retirement, but two of the surest ways are by starting early and taking advantage of retirement accounts.

Most people are aware of a 401(k) because it's the most popular retirement account, but a Roth IRA has an especially useful benefit that makes it one of the more attractive options available.

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Source Fool.com