• How do I set up my EARNS account online after I’m enrolled?
• How are my contributions made?
• Will services be available in other languages?
• Is there a limit to how much I can contribute?
• Is my contribution pre-tax or post-tax?
• I’m self-employed. Can I set up my own EARNS account?
• Where do my contributions go?
• Is investing in EARNS the same as putting money in a bank?
• Is there a minimum retirement age for EARNS?
• Are there additional withdrawal restrictions beyond normal Roth IRA restrictions?
• Can I transfer my EARNS money into another retirement savings account?
• How long will it take to receive my money?
• What about market volatility?
• Who is responsible for choosing the available investment options?
• What happens to my money if I die with no named beneficiaries?
• Can employers match employee contributions?
• Is there a fee for participating in EARNS?
• What steps are taken to keep my account safe from cyber threats?
• Does EARNS protect the security of funds deposited into my account?
• Are there legal protections from creditors for my funds?
• Could joining EARNS impact my eligibility for college financial aid?
• If I do not have earned income, can I still join EARNS?
• Is my personal information reported to government agencies to determine immigration status?
• What happens if I opt out?
• If I have another IRA, in addition to the State's program, does the contribution limit apply to each separately or to the combined amount?
• Is there a minimum age to participate in the program?
• Can I roll over another plan’s money into my EARNS account?
• What happens to my account if I move out of state or change jobs?
• Am I eligible for the Saver's Credit from the IRS?
• Why does the program include an auto escalation of contributions?