<prompt> Human: Hey rpersonalfinance,Ive been reading up on the myRA plan announced in the latest State of the Union speech, and while the plan seems pretty weak tea lifetime max of 15k, the ability to roll over into a Roth at anytime seems to be a great way to contribute an extra 5,500yr to a Roth via annual rollovers from myRA.So, what Im wondering is if anyone here has access to the myRA savings program andor how I might try to get my employer to offer it. General discussion about myRA certainly welcome too. Thanks all!  <response>: The myRA account is considered a Roth and is subject to all limitations and constraints of other IRA accounts:The myRA account is good for people who dont have much financial capital because you only need 25 to start it and can contribute 5 per pay period.If you have the money to start a Roth account with a brokerage VanguardFidelity, you would be better off doing so.I thought the same thing you did in that contributing an extra 15k to retirement sounds fantastic, but reading the idea I was much less enthused. 