<prompt> Human: Hello! Heres to finally thinking Ill live past my 20s and need to save for retirement. Not sure to go the ROTH or traditional IRA route. Profile: 26 year old tech recruiter on forever contract with tech company waiting to get converted to FTE no access to 401k that matches etc until then. I am due to make 90k this year, and make 80k last year gross. On a career track to make 6 figures starting in 2-3 years for the remainder of my life or until the tech boom ends I currently bank with two credit unions larger scale in the state of Washington who over IRA I still have student loans but no other debt. Q: which IRA is better, and who should I set it up through? I have done some research that says Vanguard is a good option. Thanks for any suggestionsadvicedose of reality  <response>: Dont use a bank ira. They are basically just savings accounts and youll earn very little 