And since they don’t trust us toddler-citizens to invest for our retirement just because, they’re going to give us a bribe: a way to pay less in federal taxes. The US tax code is crafted with a whole candy store’s worth of tax-incentivized investment accounts. By using these special kinds of accounts to invest, you’re agreeing to certain restrictions (as in, you can only use that money after you reach a certain age) but also stacking up delicious advantages (like paying less money to the government—score!).
