💎 Why Every American Should Have a Roth IRA

Here’s how the math works:

• Contribute $583/month ($7,000/year)

• Invest for 35 years

• Earn the S&P 500’s historical 11% return
  = ~$2 million completely tax-free

Why Roth wins:

• Withdrawals in retirement = tax-free

• You can pull out contributions anytime, no penalty

• Great if you’re in a lower tax bracket now

• It’s yours — not tied to your job or 401(k)

2025 Limits:

• $7,000/year (<50)

• $8,000/year (50+)

• Income phase-out: $146K (single) / $230K (married)

👉 Even $100/month adds up. The key is starting now. Open an account with Robinhood, Schwab, Fidelity — whatever gets you moving. Your future self will thank you.

🚨 Hidden Wealth in Your Subscriptions

Be honest — how many of your subscriptions do you actually use? Netflix, Hulu, Spotify, Apple One, gym memberships, random apps… they pile up fast.

Here’s the kicker: cutting just $200/month in unused subs and investing it at 10% turns into:

• 10 years ~ $41,000

• 20 years ~ $150,000

• 30 years ~ $500,000

That’s nearly $500K from canceling stuff you don’t even use.

✅ Your challenge this week:

• Audit your bank/credit card for 30 minutes

• Cancel the dead weight

• Redirect that cash to your Roth, brokerage, or emergency fund

This isn’t about cutting back. It’s about leveling up.

🔥 Don’t Sleep on Crypto, AI, or Energy ⚡

Three massive trends are colliding — and creating opportunities.

First up: crypto just got easier. Grayscale’s new GDLC ETF gives you exposure to about 90% of the crypto market in one fund — Bitcoin, Ethereum, Solana, XRP, and Cardano — without the hassle of wallets or exchanges.

Next: AI isn’t just about code — it’s about power. Nvidia, OpenAI, and Google are building massive data centers. The Stargate Project in Texas alone is planning 10 gigawatts of capacity — the same output as ten nuclear power plants. AI is an energy story as much as it is a tech story.

And that brings us to the real opportunity: energy. Google is backing advanced nuclear. Microsoft is exploring restarting old nuclear plants. And small modular reactors and even fusion are shifting from “someday” to “soon.”

Here’s the bottom line:

Crypto makes access simple.
AI is driving massive new demand.
Nuclear and clean energy are stepping up to power it all.

💡 The future isn’t just digital — it’s powered.

Enjoyed this issue?

If you found this valuable, forward it to a friend who’s building wealth or growing their financial mind. It might just spark someone else’s journey.

Thanks for reading this edition of Networth Habits.
Your next best financial habit starts now

John Lepore, CPA