 time at the end of the year. But the beauty is when it's time to take the money out, when you take it out, you don't owe taxes on any of the money you put in and you don't owe taxes on any of the growth. So as long as you follow the rules by the IRS, the Roth is a great invention. Call right now and my team and I will put together for you your very own Roth strategy.