<prompt> Human: Hello everyone,As the title states, I feel like I am in a good position where I am able to start planning for retirement.A little information. I am 28, I just paid off all my student loans and I am debt free. I am currently living at home paying half the rent but I am looking into renting my own place. I currently dont have a 401K, if anyone can lead me into the right place to open one? I am looking at the likes of Vanguard, Fidelity, or Charles Schwab from wiki so any advice would be greatly appreciated.As well I just got Robinhood and also considering opening up a portfolio on Etrade, but let me know if I should not do this yet?Thanks  <response>: 401ks can only be opened through an employer, so check with your work to see if you have a plan available.If not if your are looking for a Traditional IRA or Roth IRA, any of those three you mentioned are quality options. I use Vanguard for a few accounts which I like very much. I also use Fidelity for my wife, which I like slightly less, but is fine.I suggest against Etrade, since its not really the right tool for retirement planning, I dont believe 