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I work for a publishers purchase biaxin online Frank recommends using individual retirement accounts, either the traditional or Roth variety, to pay fewer taxes while squirrelling money away for retirement. With a traditional IRA, users deduct contributions from their taxes and don't pay anything on the earnings until the money is distributed. With Roth IRAs, after-tax money enjoys tax-free earnings. "I would love to see more people get their money into a Roth IRA. Almost everybody can do it, but there are some income limits," Frank says. Those income limits start at $112,000 for heads of households.