Quick point of clarification, Magnolias. If a stock pays you a dividend and you reinvest it, you still pay taxes on that dividend, if it’s in a regular brokerage account. Reinvesting grows your money, but it doesn’t delay taxes. The IRS taxes dividends the year they’re paid whether you send them to your bank or reinvest them automatically. Now here’s the key: In a Roth IRA, dividends grow tax-free. No taxes now. No taxes later. Same dividend. Different account. Very different outcome. #wealthwit