<prompt> Human: Im turning 20 in a few weeks. I opened a Roth IRA with Vanguard earlier this year. Currently Ive put 1020 into it and it stands at 1030 or so. With compounding interest, I thought it would be best to put as much money as possible into the account as early as possible so I can maximize my returns when I retire. But, being 19 and a student, I cant afford to maximize my contributions on my own. And Im fairly sure my parents couldnt make the contribution either. But the more money in there the better.How should I go about asking them to make some sort of contribution to my account so that I can maximize my returns later on? Id be willing to pay them back in full when I stand on a firmer financial ground. Am I just an asshat for even wanting to ask my parents such a thing when I know they have two younger children and other payments to worry about?  <response>: Dont. Youre an adult. You should be focused on owning your own life and not getting handouts from your parents for your investment. 