Retirement funding This line graphic shows the savings differential of a Roth Individual Retirement Account/Thrift Savings Plan when started at age 26 versus age 36, assuming each is contributing $100 per month at a 12% rate of return. SHARE: Download: Full Size (0.3 MB) Credit: Erik Sams, DOD VIRIN: 200624-D-FZ002-067.JPG Photo Gallery