Understanding the nuances of Roth conversions can help you avoid forking over more money in taxes than you need to.

I have a daughter who has had severe drug problems since she was 18; she's now 29. I got divorced when she was a baby. I was pushed out of her life when she was 18 by my ex-wife and my former in-laws.

Are you curious to know how your balance compares to the average today? Fidelity has fresh data on IRA balances. But you may not like what you see.