Both were free. I used turbotax when I used to file the 1040EZ and switched to H&R block when i started filing 1040. I don't think there's a difference between both in regards to how much of a refund...
Since you're putting after-tax "contributions" you don't pay taxes if you take out the contributions. You only pay the 10% fee and taxes if you withdraw the "earnings" if you're less than 59.5 and...
1. Roth IRAs are legit and unlike a 401k/403b you often have more investment options in an IRA. You can contribute up to 6K per year if <50 years old and 7K per year if >50 years old for 2022
This...plus I think Munger's and Buffett's big issue with gold and crypto is that you can't figure out their intrinsic value since these commodities don't produce anything. So in their eyes...