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It’s not hard to find someone trying to sell you something that seems too good to be true—generally because it is. But the Roth IRA, offered up by none other than the United States government, has some features that seem more like fiction than reality.

In July, I had the opportunity to run the Beaverhead Endurance Run 55K, a 55-kilometer (34-mile) trail run along the mountain ridges of the Continental Divide near Salmon, Idaho. OK, “run” might be too generous a term to describe what I did. Jogging, hiking, walking, stumbling, and begging for mercy are all a little closer to the truth.