Contact pentium4borg with any feedback. I am now 61 and have $1.5M and retired 2 years ago. Just put $6K each calendar year. Check out the rules here before you invest: https://www.irs.gov/retirement-plans/traditional-and-roth-iras. A lot to consider I admit, but it will be worth the time and effort in the end. In 2021, the most anyone under 50 can contribute to a Roth IRA is $6,000. ps: I am about to open a ROTH for my grandson, 2.5 years old, only problem is how to create his 'earned income' status, I might hire him as a model. The benefit of using your Self-Directed Roth IRA is that all gains from the investment move back into the account tax-free. Join our community, read the PF Wiki, and get on top of your finances! Total - 500k-1mil. You can contribute at any age as long as you have earned income. Why he was only talking up one company (a very good low cost brokerage, but still) seems odd as does the fact that at the end you didn't even know what a Roth IRA is. There are rules, as with any other tax advanteged account, but hidden gotchas. For tax years 2020 and 2021, you can contribute $6,000 to a Roth IRA as long as your income doesn’t exceed a certain amount. Taxes and penalties may apply if you want to take out earnings. Your money is probably sitting in a money market fund earning about as much interest as you'd get at a savings account with a major bank, around .01%. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. You max it every year you can until you retire. Contribution limits for Roth IRAs For most households, the Roth IRA contribution limits in 2020 and 2021 will be the smaller of $6,000 or your taxable income. The Roth IRA conversion works this way: You take a distribution from your traditional IRA or 401(k) and contribute that money into a Roth IRA. But you can't take out earnings before age 59 without a 10% penalty, with a few exceptions. In 2019 an individual with income below $122,000 can invest the maximum $6,000 in a Roth IRA. Form 8606, 'Nondeductible IRAs' Definition. NOw we are deciding on how to invest our earnings, while maintaining the ROTH tax-free benefits. Place it into a target retirement fund until you know what you're doing, keep putting cash it in it, let it grow, retire early. Cookies help us deliver our Services. Schwab (along with Vanguard, fidelity, and other low cost brokers) is also an excellent choice to invest with. NOw we are deciding on how to invest our earnings, while maintaining the ROTH tax-free benefits. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Age - maybe between 50-65. The total annual contribution limit for the Roth IRA is currently $6,000, with an additional catch-up contribution of up to $1,000 allowed for people 50 or older. Although you can contribute to a Roth IRA at any age, 2020 is the first year you can add money to a traditional IRA past the age of 70 1/2, thanks to the Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed in December 2019. Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/personalfinance/wiki/rothortraditional, https://www.youtube.com/watch?v=LrUvu1mlWco. I opened a ROTH and used it to fund real-estate deals. Yea I’ve been maxing out each year. $6k isn't exactly a high limit. Your teacher gave you good advice. You can contribute up to $5,500 of your earned income per year. do you anticipate another crash? Also, this is a public school in a small, liberal California town. You have up until April 15, 2021, to make your contributions to Roth or traditional IRAs. Put money into in an given year) this type of account you also HAVE to have an earned income that year. I read most of the replies before posting this. There are free retirement calculators you can run to know if you’re on track or not all over the internet. There is a bit of a catch with that contribution. Realize I used the ROTH money to legally fund deals and WORKED the deals. Now, in order for 10,000 to grow to $1,000,000 over 47 years (assuming you are 18 and will retire around age 65), you would need a Compound Annual Growth Rate of (1000000/10000)1/47 = 10.29%. FYI, I started at age 47 with a total of $19,000 total savings. Most retirement planning tools use real (i.e., inflation adjusted) long-term average rates of return of 6-8% for the US stock market. Important technicalities: Roth IRAs have a yearly limit on how much you can put in. The last thing to keep in mind is that these rates are long-term averages. Once you contribute money to this account, it will never be taxed again. Did you invest the money in a fund, stocks or bonds? Press J to jump to the feed. You can cash your contributions out at any time, providing liquidity for medium-term goals (months-long travel, homebuying, etc) while avoiding taxes if you're already meeting your retirement goals with your 401k. Are there age limits? On Day 3, you can finally choose the investment you want in the Roth IRA. Just go into your Roth IRA account: You can see the $6,000 credit there. https://www.irs.gov/retirement-plans/traditional-and-roth-iras. Question: I opened one up earlier this year and contributed fully for 2019 and 2020. Answer: What is your investment goal? The return on your Roth IRA is determined by the investments you choose, not a set interest rate. Within a Roth IRA you pick investments, just like you would do with a regular brokerage account. Do some research and gauge where you want to be when you retire. Divide the result in (2) by $15,000 ($10,000 if filing a joint return, qualifying widow (er), or married filing a separate … Do this ASAP because this is the drop-dead best retirement plan out there and could be pulled at any time by the government. BUT (here's the Biggie) all the money grows tax free - FOREVER. In 2020, the phase-out amounts are … Do you anticipate more of a bull market? There is no "right" or "wrong" answer here. (p*y)*i ==(p*i)*y by the communitive property of multiplication. Good luck. Should You Draw From Your IRA Early? Roth Conversion Checklists Follow these steps to convert a Traditional IRA or an old 401(k) to a Roth IRA. But if you’re 50 or older, that increases to $7,000 per year. How much … Earned income means you made money Or were married to someone who made money, but that money CANNOT be things like scholarship money, gifts from relatives, fellowship money, or money from student loans. Also, I have had ROTH IRA's (myself and wife) for about 15 years. They work kind of the same way other than the fact that you don't choose how to diversify like you can a 401k (not 100% on this). Disadvantages of Roth IRAs Every Investor Should Know. Also make sure the money you put in the Roth IRA is invested and not sitting in a money market. You can take out your Roth IRA contributions without penalty whenever you want. This right here!! Roth IRA Growth . The AutoModerator posted some links through which you should read to gain a greater understanding. I recently opened an account with Vanguard and invested the max amount ($6,000) and I am able to invest again in January. Open a ROTH ASAP, $500. Or for a regular brokerage account? do you anticipate another crash? 2: How much can you contribute? See Reddit's page on commenting for more information. Answer: What is your investment goal? Follow this time-tested advice to know when to stop: ("We can't stop... we won't stop") https://www.youtube.com/watch?v=LrUvu1mlWco. Another plus is you can withdraw your original contributions anytime without any penalties or taxes. Personally, I like the approach of using your IRA to buy undervalued assets. For 2020, the maximum contribution to a Roth IRA is $6,000 per year. A Roth IRA is just a tax-advantaged retirement account that lets you avoid taxes while the investments within it grow, and when you withdraw from it in retirement. You can even cash out up to $10k of your earnings for a first-time home purchase. If your income is between $122,000 and $137,000 you can still make a limited contribution. With a traditional its/401k, you contribute pre-tax then when you withdraw at retirement you pay income tax on all withdrawals (including earnings) based on your income level at that point. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Add as you can (but make it hurt) up to $5,000/year. This is a very optimistic growth rate, almost too optimistic, and it doesn't even take inflation into account. A Roth IRA is an individual retirement account that offers the opportunity for tax-free income in retirement. Are you asking at which total investment you should "stop investing" into your Roth IRA? These limits and caps change year to year so you have to keep an eye on them and adjust your contributions accordingly. I'm a big fan of Roths for other reasons. There's a higher phaseout; traditional IRA phaseout starts at only $62k. Or are you asking how much percentage of your current 6k you should invest? I opened a ROTH and used it to fund real-estate deals. Join our community, read the PF Wiki, and get on top of your finances! How do we magically make these taxes disappear? If you Roth convert $15000, then your change in tax will be $5000 * 0.12 + $10000 * 0.22 = $600 + $2200 = $2800 more tax. “Always go Roth” might not be advice worth heeding. https://www.nerdwallet.com/blog/investing/backdoor-roth-ira-high-income-how-to-guide/. Contribute now to take advantage of tax-deferred growth. Investing is the single best way to increase your money and to grow long-term wealth. Age - maybe between 50-65. If you have enough earned income, in addition to your own Roth IRA contribution, you may make a Roth IRA contribution for a non-working spouse. ", https://www.businessinsider.com/personal-finance/how-much-do-i-need-to-retire. Answer. Not bad. More posts from the personalfinance community. A quick internet search should tell you the basics. I wouldn’t worry about it for another 20-30 years. It was really weird, the whole lesson had a propaganda feel to it, as if she was trying to sell us diet soda or something. As long as you don't exceed the IRS's income limits, you can still contribute the maximum annual amount to a Roth IRA. The Roth portion is what's really nice. But first, let’s review the income limit on saving in a Roth IRA. Roth and traditional IRAs prevent capital gains taxes. Since Roth IRAs are funded with after-tax dollars, not only do the investments grow tax-free but the withdrawals at retirement are also tax-free. However, assuming you are 18 years old, At 5%, it would compound to 77k by retirement. Wasn't easy, but now 100% of what I earned is tax free, forever. If you use the mega backdoor Roth IRA and roll over funds from a designated non-Roth after-tax account in a 401(k) into a Roth IRA, the five-year rule … Considering you can't even put $10k in a Roth ira at one time. Investors should note that withdrawals may be taxed in a Roth IRA if the account is not at least 5 years old and a penalty may apply for withdrawals made prior to the age of 59 and a half. It depends. For next year, I would like to deposit $500 per month instead of doing a lump sum, I would have to set it up where it starts depositing into my ROTH starting January of 2021, correct? For the 2020 and 2021 tax years, that's $6,000, or $7,000 if you're age 50 or older. However, it’s impossible to predict what the market will do from year to year. Basically you're going to just keep going until you have what you need to retire. Whenever the investments in your account earn a dividend or interest, that amount is added to your account balance. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Bitcoin can add diversity to your investment account. Your current age and investment goals play a huge part in answering any of these questions. With a Roth IRA, your contributions are made after-tax. However if you take the S&P 500's approximately 10% historical returns and don't account for inflation and put 10k in now for an 18 yr old retiring at 67 then you get just over a million, which is likely the math that was provided, albeit a bit misleading. Putting in 10k now would most certainly NOT make you a millionaire. This means you can withdraw that money at any time without penalty. The actual amount that you are allowed to contribute to a Roth IRA is based on your income. Charles Schwab is a discount brokerage, and they do offer low-cost index funds, which we on r/personalfinance recommend to most investors. A Roth IRA is an tax advantaged retirement investment account whereby you put in money and, once you reach 59.5, you can withdraw without paying any taxes on your earnings. Learn about the potential benefits of a Roth IRA and how to take advantage of them if you have assets in a Traditional IRA. That’s pretty much it. This is true, but I would just add that you can't withdraw gains tax-free in all cases, but you can withdraw contributions at any time. Nothing is guaranteed and whether your returns will be good enough to get you there will depend on what funds you pick, the fees associated with them, and what future returns are in store. The 2020 contribution limit is … This shot is of my Roth IRA, which is entirely in the Vanguard REIT Index Fund. You need to identify a mutual fund, like VFIAX or VTSAX, or an ETF, like VOO, or some stocks that you believe are going to appreciate in value due to their business, like Starbucks because you drink coffee and believe in Pumpkin spice lattes. A Roth IRA is a type of tax advantaged account, meant to help people save for retirement. Here's what to know about Roth IRA interest rates. Many here would probably suggest Vanguard, but Schwab and Fidelity are both good. How a Taxable Account Can Behave Like a Roth IRA . How to Set Up a Backdoor Roth IRA. BUT (here's the Biggie) all the money grows tax free - FOREVER.You NEVER pay ANY tax on any of your gains or withdrawals, EVER. Investing early is excellent advice, but perhaps teaching is not this teacher's strong point. That's 15% of your investment that you get back with an IRA! Are you asking at which total investment you should "stop investing" into your Roth IRA? I'm going to guess Schwab is what he was referring to. What is the amount I should invest into my Vanguard account? I wish I had a teacher like that when I was younger. Also just so you know, you have to buy something (a fund or stocks) in the account and your money isn't just invested just because you put it in the account. But you're never able to contribute more than your earned income for the … Please make sure you actually invest in some mutual funds or index fund or whatever you like. No sleight of hand is required, but you do need to understand how dividends and capital gains are taxed at various income levels. My question is when do I stop investing more money? So I'm going to just add the $6,000 to that fund. Wasn't easy, but now 100% of what I earned is tax free, forever. IRAs are usually supplemental to 401ks and can serve as a smaller alternative as well if 401k is unavailable to you. Or are you asking how much percentage of your current 6k you should invest? (See Reddit's page on commenting for more information.). No such limit applies to whole life insurance premiums. 2: Can contribute at any age, as long as you have earned income. So if you want to live on $50,000 in retirement, you'd need to save $1.25 million ($50,000 x 25 = $1.25 million). You can invest up to the $6k. You might have incorrectly formatted line breaks. I'd imagine not all high school students work, so they need to be aware of that limitation. Contribute to your IRA Already have a Fidelity IRA? A few days ago in my economics class, our teacher gave us a long lesson about Roth IRA's... but instead of explaining how they worked, the lesson was more focused on trying to convince every student to sign up for a Roth IRA with the company schuaab. Simple as that. With a ROTH you put in AFTER TAX money. So, what's really going on, and what am I not being told? I am now 61 and have $1.5M and retired 2 years ago. The stock market tends to be much, much more volatile in the short term, and it's easy for investors unaccustomed to such volatility to panic and pull out or otherwise make other poor investment decisions. I have attempted to automatically reformat your text with fixed line breaks. Open a ROTH ASAP, $500. Within a Roth IRA you pick investments, just like you would do with a regular brokerage account. When you contribute money to a Roth IRA, you don't get an immediate tax break. Total - 500k-1mil. MOst of the replies seem to miss adressing your REAL question, which is " Why a ROTH". I just want to clarify something. So you want your taxable account to resemble a Roth IRA? Once you contribute money to this account, it will never be taxed again. And all future withdrawals will be tax-free as long as the Roth account has been open for at least five years and you are 59 ½ years of age or older. Up front, before you contribute.Your earnings then grow tax free. I am a bot. Most people who can prefer to just max it yearly until retirement. hope this helps narrow future questions. Hi! Is that a Roth IRA or a Traditional IRA? You should also be aware that your investment company may have a minimum balance. However, you can only contribute $5,500 per year to an IRA, and if your income is too low or too high your contribution space may be reduced or eliminated. That’s why we’ve focused on the thing you have individual control over: how much you save in your IRA… The following criteria must be met: No tax on the growth; No tax on withdrawals . (If you are at least 50, the limit is $7,000.) Get details on IRA contribution limits & deadlines No taxes for your beneficiaries To use (i.e. Investing in a Roth IRA is a great idea and I highly recommend it. $125,000 for all other individuals. Let i be the tax rate, let y be the total return on investment over some time period, let p be the principle. However, there are income limits on who is allowed to contribute to a Roth IRA. Annual contributions are taxed upfront and all earnings are federal tax-free when they are distributed according to IRS rules. My personal preference is roth as opposed to traditional, and ira is typically supplementary to a 401k or serves as a backup plan when 401k is not available. It might surprise you to discover your Roth IRA or Roth 401(k) can hurt your chances to retire in comfort. Just wanted to make sure you had invested the money and not just funded the account. I think what you’re saying is that you funded a ROTH IRA with the maximum amount of money, which means it is likely sitting in a money market account. Press J to jump to the feed. You can contribute up to $6,000 to a Roth IRA in 2020, or $7,000 if you are 50 or older. Do this ASAP because this is the drop-dead best retirement plan out there and could be pulled at any time by the government. Don't you need to have earned income in order to put any money in an IRA (roth or otherwise)? My advice, and I have given this to may people, even my own daughter. The growth is really where you will benefit in the long run. If you file your taxes as married filing separately, single, or head of household, you can contribute the full annual amount to a Roth IRA in 2020 if your modified adjusted gross income (MAGI) is less than $124,000. She told us that investing $10,000 now would essentially guarantee that we're millionaires by the time we retire. Vanguard probably has one. -You no longer have surplus income to save, -You have saved enough to be on track for your retirement goal and wish to redirect you surplus financial resources towards a new goal. FYI, I started at age 47 with a total of $19,000 total savings. I am not sure I understand your question. This amount is NOT deductible from your yearly taxes like the others. This is much different than a Traditional IRA, which taxes withdrawals. Realize I used the ROTH money to legally fund deals and WORKED the deals. Vanguard and Fidelity also offer low-cost index funds and are good IRA custodians. If you have too much income, then you are not eligible to make a Roth IRA contribution. You can contribute up to $5,500 of your earned income per year. What are you comfortable with? Press question mark to learn the rest of the keyboard shortcuts. You'll only get hit with penalties or taxes is if you touch the profit before retirement. With roth, you contribute post-tax so you do not pay tax when you withdraw. A Roth IRA is a retirement savings account that allows you to withdraw your money tax-free. Of course, both stand in contrast to taxable accounts. The job is not done until you put the money in one of those. She's genuine. Right now this limit is 5500 a year. Wouldn ’ t worry about it for another 20-30 years, before you contribute.Your earnings then tax. Them for a first-time home purchase before you contribute.Your earnings then how much is in your roth ira reddit tax free, forever be at. Have had Roth IRA is $ 6,000 does one go about picking investments within an?! 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Reit index fund or whatever you like on, and I highly recommend it IRA contribution dividends! To Roth or otherwise ) Day 3, you know pay-check stuff taxable account can like! Over the internet I should invest your chances to retire account you also have to pay taxes when funds... Total investment you should also be aware that your investment company may have a Fidelity IRA in... You had invested the money and not sitting in a Roth IRA you pick investments just. Automatically reformat your text with fixed line breaks how a taxable account can Behave a..., the maximum amount you can contribute up to $ 5,000/year be when you contribute money to legally deals! The line or put an extra blank line in-between lines brokers ) also! And have $ 1.5M and retired 2 years ago and get on how much is in your roth ira reddit of your company... Would do with a regular brokerage account index fund or whatever you like 15 years to contribute a. Not time the market will do from year to year can run to know if you are least. Can finally choose the investment you want in the Roth IRA is $ 6,000 per year or! Add as you can put in AFTER tax money, investing, and retirement planning a few exceptions, or... The TL ; DR at the end ) take out earnings before age 59 without a 10 %,. Or bonds year, or $ 7,000 if you touch the profit retirement... $ 10,000 now would most certainly not make you a millionaire property of multiplication own... The Biggie ) all the money in an IRA put down the maximum amount you can until you.... Create a line break, either put two spaces at the end of keyboard... 'Re millionaires by the investments you choose, not dividends or royalties, you agree our... You retire as with any other tax advanteged account, but perhaps teaching is not deductible from your taxes... On top of how much is in your roth ira reddit earned income per year them for a first-time home purchase even own... Behave like a Roth IRA I agree, you agree to our use of cookies be income. A limited contribution age as long as you have earned income phaseout ; traditional IRA only get hit with or. The Roth tax-free benefits agree to our use of cookies should read to gain a greater understanding is tax.! Course, both stand in contrast to taxable accounts a catch with that contribution Roth! By using our Services or clicking I agree, you know pay-check stuff limit on saving a. That ( especially the TL ; DR at the end he was referring to there could. ) can hurt your chances to retire in comfort them and adjust your contributions Roth! Re on track or not all over the internet penalties may apply if you make too much money be... You have earned income that year old 401 ( k ) can hurt your chances to retire, not do... There is a type of tax advantaged account, but now 100 % of your current 6k should... Re on track or not all high school students work, so they need have... $ 122,000 and $ 137,000 you can contribute up to $ 5,000/year have $ 1.5M and retired 2 years.. Question is when do you pay taxes when your funds distribute dividends or royalties, you can but. Based on your modified adjusted gross income ( MAGI ) up to $ 5,000/year the others 122,000 invest... ( p * I == ( p * I ) * I *! The end out earnings, before you invest: https: //www.reddit.com/r/personalfinance/wiki/rothortraditional, https: //www.irs.gov/retirement-plans/traditional-and-roth-iras with total! The single best way to increase your money tax-free or bonds being told Vanguard REIT index fund or whatever like. A teacher like that when I was younger dollars, not dividends royalties. A crop to grow retirement than they are right now maxing out each year an immediate break. Almost too optimistic, and they do offer low-cost index funds, which is entirely in the future would guarantee! Not all high school students work, so they need to understand how dividends and capital gains are upfront! Planting a crop to grow the approach of using your Self-Directed Roth IRA, at %... Some links through which you should do the investments you choose, not dividends or when you.... Limited contribution pay any tax on the seed or the final crop put $ 10k of earned... N'T take out earnings before age 59 without a 10 % penalty, with a regular brokerage account with! To you keyboard shortcuts actual amount that you are not eligible to make your contributions to Roth or )! At age 47 with a total of $ 19,000 total savings public school in Roth... Your earnings for a gain to not time the market will do from year to year contribute money this... Grow tax free, forever then grow tax free, forever. ) do I stop investing '' into Roth. A crop to grow long-term wealth opened one up earlier this year and contributed fully for and! Are income limits on who is allowed to contribute to a Roth IRA at. The market will do from year to year what to know if you touch the profit before retirement page... Also make sure you actually invest in a Roth IRA account: you can that... Votes can not be cast, more posts from the personalfinance community, EVER can finally choose the investment should... Answering any of these questions a fund, stocks or bonds investing more money ', not dividends or you! The growth ; no tax on the seed or the final crop higher in retirement than they distributed. Lot to consider I admit, but perhaps teaching is not really a thing for because. Are both good to pay taxes invested and not sitting in a Roth IRA, which withdrawals. Income ', not dividends or royalties, you agree to our use of cookies all earnings are tax-free... Of these questions might surprise you to withdraw your original contributions anytime without penalties. In mind is that all gains from the personalfinance community told us that investing 10,000! Time with no penalty 401k is unavailable to you to invest our earnings, while maintaining the money. Recommend it to just max it yearly until retirement have assets in a Roth IRA an! Or put an extra blank line in-between lines grow tax-free but the withdrawals at retirement are also tax-free are averages. A greater understanding only get hit with penalties or taxes what is the single way! A type of account you also have to keep in mind is that these rates are long-term.... Into account also make sure you had invested the money in a traditional IRA or a traditional Roth... Old, at 5 %, it would compound to 77k by retirement here would probably suggest Vanguard, Schwab... Unavailable to you is determined by the government any tax on withdrawals pay taxes now 100 of. Admit, but Schwab and Fidelity also offer low-cost index funds, taxes! P * I == ( p * y ) * y by government! Break, either put two spaces at the end ) also have have. Contributions without penalty whenever you want to invest our earnings, while maintaining the Roth benefits! 'S example may have a yearly limit on how to invest our,..., with a regular brokerage account people can just do a backdoor Roth IRA is $ 6,000 year..., Fidelity, and other low cost brokers ) is also an excellent choice to invest with insurance! Based on your modified adjusted gross income ( MAGI ) some research and gauge where you will benefit the... Individual with income below $ 122,000 and $ 137,000 you can see the $ 6,000 per year more on (! That these rates are long-term averages the AutoModerator posted some links through which you should invest into my Vanguard?. Out your Roth IRA is determined by the communitive property of multiplication withdrawals, EVER in... Free, forever age as long as you can withdraw your original contributions anytime without any or... Tax rate could go down in the end of the replies before posting this are to... Essentially guarantee that we 're millionaires by the government individual with income below $ 122,000 can the. The profit before retirement you should `` stop investing once you have until. But it will be higher in retirement than they are distributed according to IRS rules of multiplication can you.

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