Everyone, even NFL player has to go through this. And we all have to prepare. even though we were earning large amount of money, we still have to invest on retirement plan. Here's something I can share. Preparing for pension is a tricky proposition that isn't the most user friendly game in town. Yet it is vitally significant for those of us who don't want to depend upon Social Security in our waning years. Smart Money urges you to consider a Roth IRA for your retirement fund. Here are the top five good reasons why. 1. Make tax-free withdrawals upon retirement with a Roth IRA 2. Social Security wont enable you to maintain your standard of living 3. Roth IRA beats 401k mutual funds 4. Flexibility is always nice 5. Diversity in numbers