Okay now your supposed equal as co-Queen is buckled over laughing at herselfEven without a time machine, a Roth can save you taxes. There's no upper age limit on contributions, and as long as you can leave it five years, (provided you're at least 59.5 when you withdraw) no taxes on earnings. So even if you just put a little into a Roth certificate, for example, it'll save you in taxes on the earnings.
Roth is a type of ira, not a financial services firm - I genuinely am fucking clueless on this shit lol