Anything you throw into a Roth is taxed upfront. So when you collect 40 years diwn the road you get it all. You are limited to how much you can put in a Roth IRA. SPREAD IT OUT. FIRST 10 YEARS WHEN YOU ARE YOUNG MAKES THE BIGGEST DIFFERENCE. TIME IS ON YOUR SIDE. DONT WAIT!!! YOU WILL WAKE UP 50 YEARS OLD ONE DAY SAYING I SHOULD HAVE STARTED WHEN I WAS 20. DONT LOSE THE FIRST 10 YEARS. WE ARE TALKING POSSIBLY MILLIONS IF YOU KEEP STASHING IT AWAY EVERY WEEK EVERY MONTH EVERY YEAR. YOU ARE SO SMART STARTING SO EARLY. YOU CAN DO IT!!!!