As retirement planning becomes more complex in the face of rising debt and economic uncertainty, many Americans are reevaluating how they save - and where they put their money.

Individual Retirement Accounts (IRAs), both Roth and traditional, remain essential tools for building long-term financial security.

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But according to Kevin O'Leary, the effectiveness of these accounts depends not just on tax strategy, but on the financial habits that support them

O'Leary argues that credit card debt and poor budgeting can severely limit the ability to contribute to IRAs, ultimately jeopardizing retirement goals.

His perspective offers a blunt but practical framework for understanding how debt and discipline intersect with retire

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