Use "individual retirement account" in a sentence

1. I have already mentioned the Individual Retirement Account, which everyone should take advantage of, no excuses

2. Joe and Frank are both just out of college and Joe decides to begin saving in an individual retirement account

3. An Individual Retirement Account (IRA) is a retirement investment into which you put contributions on which you do not pay taxes until you withdraw the money from the account after you retire

4. Many retirement plans such as 401(K) or Individual Retirement Accounts (IRA) generally increase in value, but are still tied to stock market interest rates