<prompt> Human: I am 22 years old... make roughly 40K and want to start saving for retirement. What routes are the best?  <response>: Roth IRAs can be opened in nearly any place that offers financial services - generally for self-managers Vanguard tends to be popular.The account itself is just a vessel. You still have to choose the funds and stocks in it; Vanguard is popular here because they offer a number of low-fee funds. 