Build a nest egg for yourself: open a traditional or Roth individual retirement ac- count (IRA) and put the maximum amount that the IRS will allow into that account each year. But be wise about investing for your retirement— if you don’t under- stand the differences between the two types of IRAs and the investment possibilities for growing your money (as well as the tax ramifications that go along with that), seek the counsel of a trusted financial adviser. It’s all part of growing a bigger nest egg so that someday you can become a retiree with a lifestyle you love and can afford.