This article is about Roth IRAs and I don't know if Roth IRAs are "stacked against working people". That is because anyone who is working can open up and fund a

This article is about Roth IRAs and I don't know if Roth IRAs are "stacked against working people". That is because anyone who is working can open up and fund a Roth. I think Peter Thiel's returns are just highly unusual. Actually, it's probably the opposite, a Roth is probably a very useful tool for working people as far as savings. For someone starting a Roth at 23 with $6000 and contributing $6000 every year, 10% market average compounded growth, it might be worth around $3M 40 years later. It's not hard to see how Buffett was able to grow his into the tens of millions. I think the Roth IRA is pretty reasonable for wage workers and definitely gives them an edge.