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In the next fifteen minutes, you will learn the four steps towards a better retirement. An IRA will be a key player in almost any retirement plan. Here are some steps you can take now to make your IRA work harder for you and help secure a more comfortable retirement. The earlier you start contributing to a tax-deferred annuity, the larger your nest egg can grow. Over time, the combination of tax deferral and compound interest can be dramatic. Although you can open an IRA annuity with as little as 50.00, make the maximum contribution.