Happy Summertime!  It's July and the heat is on!  So, how about your retirement plan?  Are you red hot in a ROTH or using Pre-Tax contributions?  Which one is better?  July's WFS Sisterhood will be "All things ROTH!"  We will talk Roth conversions, Roth savings, back door Roth's and . . .  right!  All things Roth!  Invite a younger sister who may be wondering about this whole Roth thing. . .  or an older sister who has been wondering about doing a conversion.   Can't wait to see you!