The math, plainly

Lucy earns $2,000 a summer
mowing lawns down the block.

The IRS is fine with her opening a Roth IRA.
Most parents have never been told.

At 65, she retires with

$1,647,000

Tax-free. In her own Roth, in her own name, untouched until retirement.

Lucy's age

Earns per summer

$2,000

For

6summers

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Projection

Lucy's compounding,
age 12 → 65

$12,000 of your money, over six summers

Age 65

$1.65M

from $12k in

Age 12 25 40 55 Age 65

What Lucy has What you put in

The trick most parents miss

Lucy keeps the $2,000.
You match it into her Roth.

The IRS only cares that Lucy earned the income — not whose dollars went into the contribution. So she works the summer, she gets paid, she keeps the cash. You quietly put the same amount into her retirement.

It works like a 401(k) match — except it compounds for fifty years.

Lucy earns $2,000 a summer mowing lawns down the block.

Lucy earns $2,000 a summer
mowing lawns down the block.