Are you contributing diligently to your Individual Retirement Account (IRA) but feeling puzzled as to why your balance seems to be lagging behind your contributions? You're not alone! Let's dive into why this phenomenon occurs and how we can take control of our retirement savings strategy.

The Contribution vs. Earnings Balance

When we contribute to our IRAs, it's essential to understand that there are two key components at play: contributions and earnings. Contributions are the funds you put into your IRA, typically from your own pocket, while earnings represent the growth and returns generated by your investments.

Why the Discrepancy?

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