<prompt> Human: Excuse my ignorance. After watching khan academy videos on finance, I was excited to start my Roth IRA. But I wondered if there was a way to direct my pay automatically into the Roth without the standard tax applying first. Is this possible? Or does everyone just accept that youre getting taxed twice; once when you get paid, and again when you deposit into the Roth.Assistant: Im confused why you are getting taxed twice? You do not pay taxes to deposit into the ROTH IRA, the contributions are just made with after tax money. The purpose of a ROTH is your contributions are made after tax so you can withdraw later on in life tax free. The opposite is a Traditional IRA which you pay no taxes on now and then when you make withdrawals you are taxed on them then.EDIT: Just out of curiosity and to not assume anything, you arent referring to the trading fees as tax are you?Maybe this will clear it upHuman: I am familiar with the differences between Roth and traditional. In a Roth, upon depositing into the Roth, that principle amount is taxed NOW unlike a traditional IRA, which is taxed later.So is it accurate to say the following sequence of events are true with a Roth scenario:Employer pays me, withholds taxes from my pay, the post-taxed amount I receive is placed into my Roth, upon being deposited, that amount is taxed in the Roth upfront now, and not laterSo then doesnt that mean, Ive paid twice? Once as per normal wit holdings, and again, during the deposit into the Roth?  <response>: No, youre are not paying any tax on the deposit into the IRA. You only pay tax on your income which you then put into a ROTH IRA. When they say its taxed now they mean its money that you already paid taxes on. 