If you are too rich to sign up for the Roth IRA, there are other options for you. If you already have millions of dollars on your bank account, you might actually not really have a reason for an IRA because the interest on your money alone and secure a good pension for you. I think, very rich people (speaking of people with millions of dollars and no financial worries at all) will not even look at something like an IRA. They have so many other options and I guess many people wish that they’d just have a small percentage of that wealth. Sometimes I also wonder why there aren’t more rich people who are doing good deeds with their money. What use is all their money when it only sits around on their bank accounts without doing any good? I think, I would always give away some money, e.g. To animal charities.