<prompt> Human: Im 19 and my new wife is 20. We are in college now, and we have a 5-year old son in the picture. Ive been looking into starting saving for retirement, college for him, etc. School for us isnt really an issue as we get good financial aid, and living is made easier, because we live with her grandmother and we split the rent. I have a nicely paying job at 16hr full time over this summer and part time over the school year. Im anticipating having some money each month to save, and while I use my savings account at the moment and Ive been building credit on a student credit card, I was wondering if there were any smarterproactive ways I can save my money, and think about the long term.Ive been pretty financially illiterate my whole life, but Ive recently gotten minorly obsessed with personal finance with podcasts, and going down the google rabbit-hole. Ive been thinking about starting a Roth IRA and a 529 college savings account, but I wanted a second opinion on all the aspects I should be looking at, and other overlooked options I should be getting involved in as early as possible. Thank you so much for your help!  <response>: Do not even think about a 529 until you have fully funded retirement for you and your wife. 