 What's the difference between a Roth and a regular IRA? I know we talked about that. Perfect softball, Alex. Thank you. No, no, but we talked about this earlier. I've talked with you for so many years, and I still feel like I don't know everything. Okay, so here's the deal. With a Roth IRA, you pay taxes on it once. And the problem is you're limited to how much new money that you can put into a Roth based on your income.