yea you are right. there is risk everywhere except treasury bills. They are as safe as safe gets. I do not know much about roth IRA's but my one professor at school said that we shouldn't use them. She never got into why, but im assuming it was because we are young and they are for people on the verge of retirement. It's still better than letting the money sit in a savings account earning 0.2%
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If you want something bad enough you'll find a way, if not you'll find an excuse.
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