https://www.nerdwallet.com/investing/roth-ira-calculator

using this calculator in the link above, calculate how much money you would have if you invest $6000 each year in a Roth IRA versus an account with no tax advantages.

Use the following parameters:

• Age: 22
• Income: $45,000
• Starting Balance: $0
• Marital Status: Single

This calculator assumes a 6% rate of return. Keep in mind the reason you are seeing such different dollar amounts is that with a RothIRA you don't have to pay tax on the money babies that your investment creates over the years and with a taxable investment, you do.