A molecule is the smallest particle of a substance that exists independently. Molecules of most elements are made up of only one of atom of that element. Oxygen, along with nitrogen, hydrogen, and chlorine are made up of two atoms. Look at the model of oxygen above.The two balls represents the two oxygen molecules. molecule is the smallest particle of a substance that exists independently. Molecules of most elements are made up of only one of atom of that element. Oxygen, along with nitrogen, hydrogen, and chlorine are made up of two atoms. Look at the model of oxygen above.
A Roth IRA is funded with after-tax money. With a Roth, you pay taxes before you contribute and will only owe taxes on the earnings, not your contributions, when you withdraw money. You can withdraw money without penalty from a traditional IRA once you reach age 59 1/2, and you must begin taking money out at 70 1/2.
You can build a Roth IRA ladder and withdraw without having to pay the 10% penalty. 1  Roll over 401k to IRA. 2  Convert 1 year of living expense to Roth IRA. 3  Wait 5 years.  Withdraw 1 year of expense from the Roth IRA.