Money Are you young and in a low tax bracket? Here are 3 reasons you should get a Roth IRA February 27, 2019By Robert Powell, Special to USA TODAYComments Off on Are you young and in a low tax bracket? Here are 3 reasons you should get a Roth IRA A Roth IRA is retirement plan where you contribute after-tax dollars. Your money grows tax-free; and, generally, distributions are tax-free.