There’s no such thing as a one-size-fits-all retirement plan. Because we all have specific, individual needs, what might work for one person might cause another to come up short financially when they’re older. It’s surprising, then, to learn that most Americans believe all IRAs are exactly the same. In a recent TIAA survey, 56% of respondents stated that an IRA is an IRA — i.e., there’s no difference from one type of account to another. Not only that, but only 33% of Americans have an IRA to begin with.