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Maxing Out Your Roth IRA Is One of the Highest-Return Financial Decisions You Can Make. Most People Don't Do It.The 2025 Roth IRA contribution limit is $7,000 ($8,000 if you're 50 or older). That's $583/month. After-tax dollars that grow completely tax-free, forever, with no required minimum distributions. When you withdraw in retirement, you pay zero taxes — not reduced taxes, zero.The math on maxing out from age 30 to 65...