You Need To Know This BEFORE Opening A Roth IRA

Personal Finance with Leila - Debt Over It October 17, 2025
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Personal Finance with Leila - Debt Over It

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I help overwhelmed individuals get control of their money and build better habits so they can pay off debt, save consistently, and feel confident about their finances! 🤑 My name is Leila (pronounced Lay-La) and on this channel I document my own journey to financial freedom while also creating educational and entertaining content around money. I offer financial coaching to help you budget, create a saving plan and get out of debt: https://debtoverit.com/coaching/

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Roth IRA Contribution/Income Limits: https://investor.vanguard.com/investor-resources-education/iras/roth-ira-income-limits Roth IRA Withdrawal Rules: https://www.schwab.com/ira/roth-ira/withdrawal-rules Join my community: https://www.skool.com/budget-build-1523 Financial Coaching: https://debtoverit.com/coaching/ Free Google Sheets Templates here: https://subscribepage.io/VILOw8 Wealthfront (extra .5% for 3 months): https://www.wealthfront.com/c/affiliates/invited/AFFB-M2JQ-52LB-HM5Z Budgeting app: https://lunchmoney.app/?fp_ref=leila26 Donate to Society of Humane Friends: https://sohfga.com/support-us/ Apply for my 12 week 1:1 Program: https://lkcollectivellc.hbportal.co/public/68566339f5c81c001f1e208d How to Create a Budget in Google Sheets: https://youtu.be/LSPkfdOzbb0 Prefer Pen & Paper? Check out this video: https://youtu.be/yxjZ5aWbfcc First Friday Finance Newsletter: https://www.subscribepage.io/tFb6gt Non-Fiction Book Club: https://subscribepage.io/erDITv Debt-Free Blueprint Course: https://debtoverit.thinkific.com/courses/debt-free-blueprint ETSY SHOP: https://personalfiwithleila.etsy.com Money Blog: https://www.DebtOverIt.com 💵 Support me: https://www.buymeacoffee.com/leilak 💰 Venmo: @DebtOverIt 00:00 Intro 00:38 Understand what and why 02:02 Contribution limits and deadlines 03:38 Understand the rules 05:19 Choose where to open 06:26 Decide what you want to invest in 09:36 Name your beneficiary 10:28 Bonus ________________________________________________________________________ *ACCOUNT BONUSES* 💻 Marcus by Goldman Sachs HYS Account: https://www.marcus.com/share/LEI-VSR-SXB6 Earn .25% cash bonus over 3 months 💳 Chase Sapphire: https://www.referyourchasecard.com/19r/T2HHAH5URE 60,000 bonus points after spending $4K in first 3 months 💳 CapitalOne VentureX: https://capital.one/3Wwtjuy 75,000 bonus miles after spending $4,000 in first 3 months Unlimited 2X miles 💳 AMEX Blue Cash Preferred: https://americanexpress.com/en-us/referral/blue-cash-preferred-credit-card?ref=LEIlAKIFLP&xl=cp108t Earn $300 after you spend $3,000 in first 6 months 6% on groceries, 3% on gas 💳 DiscoverIt: https://refer.discover.com/s/LEILA79 Earn $100 after making a purchase in your first 3 months 💳 Chase Freedom: https://www.referyourchasecard.com/18M/UWQM7HCT9G Earn $200 after spending $500 in first 3 months 5% cash back on gas and groceries for 1 year No annual fee 💳 CapitalOne Venture One: https://capital.one/2J8kqHJ 20,000 miles after spending $500 in first 3 months 1.25 miles per $1 spent No annual fee 💳 CITI Checking ($325 bonus): https://click.info15.citi.com/u/?qs=7a869a5626e11db496c50c8eecb3b2c3e4b37b66c899c88d1dc07011cbe24ad8b1503a99ea6f44ca5c49d191b1ab9b72aba9213b52e370866be4e77d6cd168e5 💳 Chase Checking ($200 bonus): https://accounts.chase.com/raf/share/2575036820 💳 Capital One 360 Checking: https://capital.one/3RUX1a8 Open an account, set up and receive direct deposit and earn $50 *SAVE MONEY* 📱 Switch to Mint mobile for as little as $15/month: http://fbuy.me/t54_i *MAKE MONEY* 🌟Rakuten (earn $20): https://www.rakuten.com/r/LEILA426?eeid=28187 🌟BeFrugal: https://www.befrugal.com/rs/FHQMQKM/ 🌟IBotta: https://ibotta.com/r/85zng 🌟Fetch app: Use my code EJH9Y for 2,000 points 🌟Upside (gas, restaurants) - $5 bonus: debtoverit -- https://upside.sjv.io/RG99Wa *SIDE HUSTLE RESOURCES* 🪧 Create custom stickers ($10 store credit): https://www.stickermule.com/unlock?ref_id=9961412701&utm_medium=link&utm_source=invite 💻 Start your own website: https://www.siteground.com/recommended?referrer_id=7614416 Get 3 months free + 75% off your first year 🧾 Learn how to sell digital products on Etsy: https://leila711--gold-city-ventures.thrivecart.com/etsy-printables/ 💻 Create a Course! Teachable Launch Accelerator Challenge: https://teachable.sjv.io/c/2709068/1593958/12646 ____________________________________________________________________ MY LIFESTYLE CHANNEL: @LivinglikeLeila GOAL ACHIEVEMENT COURSE: https://livinglikeleila.teachable.com/p/goal-achievement-by-shifting-your-identity-and-creating-effective-systems SELF-DISCIPLINE COURSE: https://livinglikeleila.teachable.com/p/the-complete-guide-to-self-discipline/ CHECK OUT MY BLOG: https://www.livinglikeleila.com I N S T A G R A M : https://www.instagram.com/livinglikeleila Camera I use (Canon EOS M50): https://amzn.to/2KpcE9k Microphone I use: https://amzn.to/2KI43zU Handheld Mics: https://amzn.to/3NYWTa3 Business inquiries: [email protected] *The links above may be affiliate links. This just means that if you make a purchase through one of the links, I make a small commission at no extra cost to you. I appreciate the support! DISCLAIMER: I am not an expert or a financial advisor. I simply love talking about finances and want to share my journey to financial freedom and help others along the way!

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