‘I have nothing saved for retirement’: I’m 50 and earn $45,000. I don’t have a 401(k) match. Should I put 10% of my salary in a Roth IRA instead?

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I am 50 years old and for the majority of my life I have worked construction and manual-labor jobs. In 2012, at the age of 38, I went back to school and got an associate’s degree in computer …

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