  Your Best Defense Against the IRS  Nobody likes to pay taxes.
Luckily, Congress has given you a way to avoid paying taxes for
the rest of your life -- and it's perfectly legal.   Say
sayonara to the IRS  Roth accounts come in two flavors, one for
IRA investors and the other for workers who have Roth options in
their 401(k) plans. But both Roth accounts share one key benefit
in common: Once you contribute to a Roth, as long as you meet
its guidelines, the income that you generate inside the Roth is
entirely free of tax. Even when you withdraw money from your
Roth account after you retire, you still don't have to pay tax
on the proceeds -- and if your heirs are fortunate enough to
receive inherited Roth proceeds, they won't have to pay taxes
either when they're required to make withdrawals.  So why don't
more people take advantage of Roth accounts? One reason is that
contribution limits are relatively low -- $5,500 this year for a
Roth IRA, with an extra $1,000 if you're 50 or older. Roth
401(k) accounts have