Pop quiz. — What’s the greatest wealth-building tool? Dave Ramsey says it’s income, while Daniel Mollat wrote a book entitled, “Stock Options: The Greatest Wealth Building Tool Ever Invented.” For my money, it’s the Roth IRA. What’s a Roth IRA (And Why You Need it In Your Life) Roth IRAs were first introduced in 1997 and are named after former Delaware Senator William Roth. …