Young Roth Club

A little work every month. A real Roth every year.

The Club walks you through each step by email, then sends one email on the 1st: add the jobs to your sheet, send invoices, make the deposit. About 10 minutes a month, until they take over.

Free
Everything you need to start.
$0
  • ✓Idea finder and plan estimate
  • ✓All guides
  • ✓Printables: invoice, work log, coin chart and more
  • ✓A spreadsheet that adds itself up (download)
Find job ideas →No sign-up needed. Just start planting.
The Club
A monthly email that does the remembering
For up to 4 kids, one price.
$12a month
No appNo passwordJust email
Each step arrives by email. One tap answers it. Buttons in the email sign you in.
  • ✓Everything in Free
  • ✓An email on the 1st with your to-do: send invoices, log what your kid earned, make the deposit
  • ✓A 10-minute close-out that walks you through your own records sheet; it does the math
  • ✓Filled-in printables: agreement, invoice and work log, ready to download or print. We don’t keep a copy
  • ✓A statement check each January: a step-by-step way to compare your sheet with your Roth provider, while there’s still time to fix anything
  • ✓A January tax pack, updated every year with the new IRS numbers
  • ✓About 8 tip emails a year: what jobs to line up next
  • ✓A handoff walk-through at 18: your sheet’s “At 18” tab has every year’s deposits
Join the Club →Skip any month. Cancel any time, and you keep access until the end of what you paid for.

Set up in a minute

Pick a monthly target that fits your kid. Steady beats big. You can change it any time on your account page; every Club email links to it.

What we keep (not your records)
  • Your email
  • Each kid’s first name (or a nickname) and age
  • Your state, your setup answers, the ideas you pick and which step you’re on
What we never ask for
✕ Social Security numbers✕ Bank or Roth account numbers✕ Your passwords
Your jobs, pay and deposits live in your own sheet or folder, so they stay with you if you leave. We never connect to your accounts. Privacy policy
Monthly target$150
About $1,800 a year. That’s roughly 13 hours a month at $12 an hour.
Before you payThe Club is $12 a month, plus any tax. It renews automatically every month until you cancel.Cancel any time online from your account page, with no calls or extra steps. You keep access until the end of what you’ve paid for. No minimum purchase. Cancel and refund policy.
Checkout opens soon.By subscribing, you also agree to our Terms and the Cancel and refund policy. See how we handle data in the Privacy Policy.Add up to 3 more kids from your account page. Payment is handled securely by Stripe.

Questions

What if my numbers don’t match what really happened?

We never guess. Each month you enter what was actually earned and actually deposited, and you can fix any month later. Each January we ask you to compare your year with your provider’s December statement, so there’s still time to fix anything before the April 15 deadline. We check again when Form 5498 arrives, usually in May. We flag any difference so you can correct it. Your provider’s records are always the official ones.

What if we have a slow month?

Tap “Skip this month” in the email. No guilt, and your pace adjusts. Steady over the year is what counts.

How does canceling work?

Cancel any time from your account page. You keep access until the end of the period you’ve paid for. We refund billing mistakes and forgotten yearly renewals; see the cancel and refund policy. Your records are already in your own files, so nothing is lost when you leave.

Do you connect to my bank or Roth account?

No. You make deposits yourself at your provider. We remind you; your own sheet keeps the running totals.

How many emails will I get?

Usually 2 a month: the to-do on the 1st, and a deposit reminder about a week later, only if you haven’t marked the deposit done. About 8 months a year add a short seasonal tip, and January adds the tax pack. Never more than 3 in a month. You can turn off the tips and reminders on your account page.

Is the information kept up to date?

Yes. Every November, when the IRS announces the next year’s limits, we update the guides, calculator, printables and January tax pack, and we recheck provider fees and state rules each year. If a rule changes mid-year, we update it then, and Club members hear about anything that affects them in their next email.

When does it end?

When your youngest takes over their account at 18 or 21, the Club ends on its own. No renewal after that, and nothing to cancel. Before then, we walk you through the handoff, using the “At 18” tab of your sheet.