Are Roth IRA’s through payroll deduction? Must I contribute an amount every month?
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No. Roth IRAs are completely separate from your employer. You set up your Roth IRA with a brokerage firm like E*Trade. You can then fund it as often or as little as you like. Any account rules are defined by the brokerage firm and might vary widely. You might be able to set up an automatic payment with your employer, but Roth IRAs are not normally funded through payroll deductions. That is more like a 401(k).