If we conducted a survey on mystifying personal finance tools, my guess is that a Roth IRA would land in the top five. Most of us are semi-comfortable with 401(k)s, but for some reason, the “R” word adds a whole new level of intimidation. It’s no secret that millions of successful women are missing out on this effective way to save for retirement because they don’t know how it works. And I’m on a mission to fix that! Armed with some Roth basics, we can step up our retirement games and hit the beach earlier than we ever expected.