If one qualifies, the can contribute at any age. Another benefit, when we pass, the ROTHs can be an inherited ROTH with our children. (We've had them for 5 years). They will need to take minimum distributions, but they are tax free. A truly great gift to leave them.
VERY NICE INFORMATION!!! I'll have to check on that.
You said, "We've had them for 5 years." You mean the ROTHS or your children?! Haaaaaaaa! Mike