<prompt> Human: So she is 20 yo in college with no job, but her parent usually send money to her monthly for her expenses. She is very responsible person with money, doesnt spend on luxury stuff. I want to know if she can open Roth IRA with Vanguard without an income? Do you have to prove Vanguard that you have income in order to open Roth IRA? If she can, she doesnt have to pay tax for Roth IRA when tax comes right? Edit1: Look like she cannot open an IRA account. What are other options beside saving account that yield higher interests?  <response>: You must have earned income to contribute to a Roth IRA. 