<prompt> Human: So Im fairly inexperienced when it comes to investing, but I took one of Dave Ramseys classes in high school and I specifically remember part being about becoming a millionaire by 45 by investing into a Roth IRA at 10 blah blah blah.Now I know finding a Roth IRA at 10 is probably impossible nowadays, but if not a Roth IRA what would you guys recommend for a 20 year old in the militarystudent American that can invest 300-500 a month?  <response>: A Roth ira is just a type of account. The account itself doesnt give you a rate of return. Once your money is in the ira, youll have a number of funds you can invest in, which will have different rates of return. The contribution limit for an ira is 5500 per year. It sounds like it would be a good vehicle fit the amount you want to invest. 