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Shafiq,age 16,works Part-Time at the Local Supermarket After School and on Vacations.He

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Shafiq,age 16,works part-time at the local supermarket after school and on vacations.He plans to open a Roth IRA to save for his future.Shafiq makes less than $10,000 per year.He can take advantage of the qualified retirement savings contributions credit ("saver's credit").


Definitions:

Talk Test

A method used to gauge exercise intensity by measuring the ease with which one can speak during physical activity.

Moderate-Intensity Exercise

Physical activity that is somewhat hard and increases the heart rate and breathing, such as brisk walking or cycling.

Oxygen Consumption

The use of oxygen by the body during physical activity or metabolism, often used as a measure of physical fitness or the effectiveness of aerobic exercise.

Peak Exercise

The highest level of intensity and effort an individual can sustain during physical activity without significant fatigue or exhaustion.

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