While it's ideal not to touch IRA money until retirement, sometimes life gets in the way and you may want to access the money sooner. Non-spousal beneficiaries who inherited an IRA (either a traditional IRA or a Roth IRA) after that date must now withdraw the money from the account within a decade. If you make too much money, you may still be able to contribute to a Roth IRA through a strategy called a clandestine Roth IRA. If you don't qualify to deduct your contributions to an IRA, you can still accumulate money up to the annual limit of a traditional IRA.
Alternatively, you could consider investing in a Gold IRA, which is a type of self-directed IRA that allows you to invest in physical gold or other precious metals as part of your retirement savings. Gold IRA Investment can be a great way to diversify your portfolio and protect your retirement savings.