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                      | Happy Tuesday, Daily Money readers. It's Brett Molina back in your inbox with a fresh batch of Money and Tech headlines. | 
                                                                              | Individual retirement accounts are a great way to save money. Not sure whether to choose between a traditional or Roth IRA? Here are three key differences. | 
                                                                              | Returning online purchases will soon get a lot easier. FedEx is partnering with logistics company Happy Returns to allow customers to return their online orders to a physical location and receive an immediate refund. | 
                                                                              | Finally, Black Friday is going to look a lot different this year due to the pandemic. It's why retailers including Lowe's are rolling out their holiday deals much earlier.  | 
                                                                              | Want more Money and Tech headlines? Keep scrolling. | 
                                                                              | Brett Molina, Money/Tech editor | 
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