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As financial consumers, we face many choices on how to invest our hard-earned money for retirement. While traditional and Roth IRAs are fairly well-known investment tools, their differences may seems a little confusing to some. We’re here to help.

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Many of us have learned to automate parts of our lives to guard against our common proclivity to forget stuff, procrastinate and yes, succumb to sheer laziness.

You’re young. You’re only on your second job but you’re doing well. You just moved into a great apartment downtown (ok, it’s with three other roommates). You finally have some spending money to spare.