I'm 25, married, and I make roughly 45k a year right now (total household income is around 100k a year, we file taxes jointly). I have a government job with a pension (PERS 2), but I am looking into opening a Roth IRA. I was debating between a 401k or a Roth IRA but based on a lot of things I read in this subreddit, it sounds like a Roth IRA would be best for me at this moment.
Basically, I'd like to know how exactly contributions work for a Roth IRA. I see that $6,000 is the maximum. In order for me to reach the maximum limit per year, I'd have to contribute more than I could afford per month (we have a baby on the way and I'm a little hesitant on putting a large sum of money away into an IRA just because I'd like to have emergency money set aside for easy access). Is it fine to just contribute a smaller amount per month like $50-$100? And can I adjust the amount any time? Or do I have to contribute a certain percentage per month?
Are there risks to a Roth IRA? What happens if one of us starts making more money down the road, does that affect anything?
I'm not that savvy when it comes to this stuff, so please explain to me in simple terms haha.