<prompt> Human: Hi, Im 25 and my parents keep urging me to open up a roth IRA even though I have over 50k in student loans, with the average interest rate being around 6, and I keep telling them I should pay that off first. Anyways I was looking at the Vanguard Roth IRA that you can open for 1000, but what I cant figure out is how much would you have to contribute monthly? Why dont any roth IRA sites list this? They all list the maximums. I dont really have much extra money I could commit but I could probably make payments here and there. Is that an option or maybe I should just focus on the debt? Thanks  <response>: You dont have to contribute anything once you open the IRA. 