In a Roth IRA, contributions are made with after-tax dollars, meaning the income of your paycheck after your employer deducts income taxes. You may make these non-tax-deductible contributions to a Roth IRA up to a certain limit each year. Under certain circumstances, you may withdraw money from this account tax free before retirement, and you can withdraw all of it tax-free after age 59½. You may continue to add to this account up to the annual limit for as long as you like. You currently do not have to pay taxes on any distributions from this account, so that your money may grow tax free.