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Roth IRAs tend to get a lot of hype, and for good reason: Because you pay the taxes upfront, your eventual withdrawals (assuming you meet the age and holding-period requirements—more on these below) are completely tax-free. While we like “tax-free” as much as the next person, there are more times than you would imagine when a traditional IRA will put more money in your pocket than a Roth would.

Everyone wants to relax after hitting their golden years. For this reason, financial experts suggest that you should save for retirement starting the day you receive your first paycheck. But the fact is, many of us don’t realize the importance of having a decent nest egg saved up to enter into a comfortable retirement. According to a Forbes report, a quarter of the people in our country do not have any retirement savings.

The aphorism “time is money,” made popular by Benjamin Franklin, can be interpreted in many ways. We can apply it to the concept of earning interest on physical currency. And we can also apply it to the notion of staking a cryptocurrency. While this may deviate from Franklin’s original intentions, it is a fitting adage for the scope of this article.

Last December, the imaginatively named Setting Every Community Up for Retirement Enhancement (SECURE) Act became law.

The SECURE Act was intended mainly to expand opportunities for individuals to increase their retirement savings and to simplify the administration of retirement plans. Fine. Good.

The act of mining gold has given hope to those in search of newfound wealth throughout the millennia. From the ancient Romans to the California Gold Rush of 1849, one thing seems perfectly clear. Gold is universally accepted as the definitive store of value. Although there have been many techniques used to mine gold over the years, today a new form is taking place in the digital space. The reward, “digital gold” in the form of Bitcoin (BTC).

You may have heard about Bitcoin in the news lately. During these trying times its comparison with gold has been the cover story. Its history has been volatile. Its returns over the years have been legendary. But what is Bitcoin or even blockchain for that matter?