Greetings all. I have some words of Wisdom. If you are 20-25 and working, please make sure to start putting money towards your retirement. You may not believe that you dont need to now, but the more you do now, the more you have later on. I am not an expert in this....this is more just a little Public Service Announcement. The big issue in investing to prepare for retirement thru IRAs....Roth IRAs...ect.. Is TIME. The earlier you invest, the better.