<prompt> Human: Im relatively young 19 and because my parents couldnt claim dependency on me I had to file my own taxes. The volunteer helping me mentioned IRAs and how itd be a smart investment to start contributing to one early. I have several thousand dollars saved for university expenses little more than 5k, but Im torn on whether or not I should start contributing to an IRA and for how much if I were to contribute.Any advice?  <response>: Id hold off on bothering with a Roth IRA unless youre certain you wont need that money for tuition or living expenses while youre in college. 